Great Tang Idyll - Chapter 740

[Chapter 365]

Holding cotton balls and giving them to each, Zhang Jiazhen and Zhang Shiling were all gone, and Bidun didn’t tell Zhang.

Zhang said that before he could figure out what Wang Juan was busy with, he was frightened by a loud bang and almost didn’t sit on the ground, followed by a continuous crackling sound.

Li Longji was not frightened, but looked at the welcoming scene happily.

Zhang Shuo plugged his ears with his hands helplessly, and glanced at Wang Juan, who was snickering beside him.

The next thing Wang Juan tried to arrange according to the situation in history. Except for the place where she and Zhang Xiaobao specially used to entertain Li Longji to prepare for future wealth, no other changes were made. For example, Li Longji changed Bingzhou to Taiyuan. The government, exempt from grants or something, still follow it.

After the officials from Jinyang met with Li Longji’s team, the officials had already arranged according to the letters sent in advance by Zhang Xiaobao and Wang Juan.

Take the Li Longji Mansion for transfer.

Zhang Xiaobao and Wang Juan estimated that Li Longji could not go to the prepared play place today. The two found an excuse to go there to check if there were any omissions.

Then he and Li Longji took a leave.

As for whether Li Longji can continue to write poems here, it is not up to two people, and there are not many poems for him.

Not a lot of him.

Zhang Xiaobao and Wang Juan who are on leave.

Bring the seedling protection team at home, as well as Xiaobei and others.

Throwing away the old man Bi and the three who didn’t know that the two had left, they found a place for Li Longji to play, and took out both the long gun and the short gun.

Under the curiosity of Xiao Bei and a group of little guys, he slapped the target that made people stand at 20 meters.

A group of people ran over to watch after the eleven bullets were fired.

“Well, I see. When aiming next time, turn to the left. Zhang Xiaobao has seen the impact point. According to the previous aiming point, he summed up how much the gun’s ballistics is deviated.

“It seems that the technology needs to be improved. Wang Juan is also in the way.

The gun in his hand was a little off.

“I want it, I want Xiaobei to look at Xiqi. At such a distance, no arrows were released, and no one was pulling a bow. The crackling sound was like setting off firecrackers. The sign that stood up here was broken. Now, she is smart enough to know this kind of weapon that can hit a long distance.

“Okay, okay, this is too heavy, wait for my brother to make you a lighter one, remember.

Can’t tell others.

Zhang Xiaobao put on a new magazine and said to Xiaobei.

Xiaobei nodded fiercely, “I know, don’t tell me, don’t tell others about family matters. If you want to keep it a secret

, the other little guys are clamoring for one, and

Zhang Xiaobao agrees one by one. I ‘ll

do it for them when I have time, of course not. The pistol he is holding is made of wood, and animal tendons are used as a toy for pulling small stones. It is best to stick a layer of cotton on the outside of the stones, and

then the two continue to test the gun, keeping the distance between the targets at 60. Mi Yuan, and gradually feel the situation of the gun in the hand. Then thicken the target and replace the original paper target with a wooden one, so as to check the effective distance of the pistol bullet.

Let people use a bow and arrow to experiment with a distance that can shoot people to death. After In the experiment, the effective distance of the pistol is 35 meters to 37 meters, mainly due to the problem of bullets.

After testing the pistol, I began to test the rifle, plus the scope modified with the telescope. After the slap, Zhang Xiaobao and Wang Juan is both happy and dissatisfied.

I am happy that the long gun is relatively accurate compared to the pistol. I am dissatisfied with the range. One thousand meters, it is not to think about it. Eight hundred meters, the bullets simply fly. However, the final result is between 250 meters and 300 meters.

This distance is worse than that of a strong crossbow. It is stronger than a normal bow and arrow, and the advantage is that it shoots faster. Bullets are lighter than arrows and can be carried more. ”

Almost, let’s do it first, you don’t need to count on it as a long-range sniper rifle. If you can have three or five hundred of them, and equip them for the army, the lethality is still not small.

”

Wang Juan said while disassembling the spear.

“This is progress across the ages. It is much more powerful than the fire dragon that first appeared in the Song Dynasty. Come on, we can use such weapons to equip the army in the future. When the time comes, we will be invincible and invincible.

Zhang Xiaobao will break it down. Putting his gun in his backpack, he has a posture that the world will give up on me.

Wang Jue glanced at Zhang Xiaobao, “Any good weapon depends on who is using it, and it will be equipped in the future.

You can’t underestimate the enemy, you can only use it at critical times, and other people’s bows and crossbows are not close.

In case someone gets a few of them.

Even if the technology has been passed on

, “It seems that the confidentiality work on Luzhou’s side should be stricter. It is better to go underground.

Zhang Xiaobao also understands the reason. Just like the gunpowder at the beginning, if you don’t go to attack others If so, how could they be taken away after losing, but the people in Europe used gunpowder better than here. They improved their skills in a short period of time, and when they came back, they didn’t even resist. Zhili.

The two people who had tried the gun didn’t intend to go to Li Longji either. They took Xiaobei and others to swim. That is the place prepared for Li Longji.

No one suspected the movement just now, and they thought that someone set off firecrackers here. “Okay, now change your clothes and swim.

When he came to the edge of a big small lake that used to exist here, Zhang Xiaobao shouted to a group of little guys.

In order to take more advantage, Zhang Xiaobao and Wang Juan wrapped up a large area here, and transformed the original small lake, especially the shore, where a lot of sand was transported.

This way, in summer time.

Here you can come to swim, or have a barbecue on the beach to bask in the sun.

Li Longji can’t always say that he has swam once, and he can’t let others come over such a big place. The courtyard prepared for him here is not allowed to come, but other courtyards next to the courtyard can be rented out.

The place where the emperor is willing to play, and other tourists who want to come will rush to enjoy it, and the price will be very high at that time.

Open a few more open-air stalls and use local wines. It is estimated that in the summer of next year, you will be able to earn back the spending that came this time.

There is a person in charge of this place. Seeing that Zhang Xiaobao’s group wants to go into the water, they hurried over to stop it, saying that it was prepared for the emperor and could not go down casually.

As a result, before Zhang Xiaobao and Wang Juan could talk, Xiaobei told this person that he was here to test the waters for His Majesty.

otherwise.

In case the water is hot and cold, and there is something in the water, the person in charge is speechless and can only stand by and watch.

“What about the ring use test? It has only been cleaned up by people. There is no other living thing in the water other than Gan… even the water plants in the lake have been pulled out in advance. The

lake with a lot of sand in it is very comfortable to use. First it is only half a meter high, then one meter. Anyway, every half a meter, there will be a distance of more than 20 meters, so that people will not be flooded.

Zhang Xiaobao and Wang Juan were floating in the water, not going deeper, only in an area of about 1.5 meters. Just enough to give the two of them away.

Xiaobei and a group of little guys also swim in this area. Compared with Zhang Xiaobao For Wang Juan, they have a wider range of swimming, and they can swim even at a depth of half a meter.

Perhaps the good little guys they have cultivated are not afraid of water at all. They swim very freely in the water for a while with breaststroke and backstroke. He can speak casually.

Two days later, Li Longji and the officials were busy with their work, and finally came to this swimming place. Zhang Xiaobao and Wang Juan persuaded Xiaobei and others to go ashore and wait for the barbecue. The other is to accompany Li Longji to swim in the lake.

The specially made swimsuit is worn on the body of the maid and concubine brought by Li Longji. It is a piece of white flowers at that time. It can be seen that Li Longji really wants to take the guard and Zhang Xiaobao Er. He was chased away. Seeing him like this, Wang Juan whispered to Zhang Xiaobao: “I haven’t seen the world, I’m just showing my arms and legs, so what?

”

“That’s right, when I was outside, there were still a lot of women who didn’t wear anything, let alone three o’clock, it’s useless to look at it, it’s really boring, don’t look at me like that. Western women It’s not good to admire, there are wrinkles on the face of a 10-year-old?

You guard first, I’ll go down to see if there are shells, don’t clean them up, you can eat them after a while, wait, take a look and come up Zhang Xiaobao was talking, and suddenly realized that Wang Juan’s eyes were wrong

.

He dropped a sentence and plunged into the water. After staying in the water for three minutes, he came up again. He shook his head regretfully.

“No, there are only small children in the water .”

fish.

This bunch of prodigal things, tell them to keep the shells, clean them up, and later go up, let people fish from other rivers and put them in, and then there will be a special project here for people to fish now.

Then it was baked, and a shell was sold for a penny

. Wang Juan didn’t even mention what happened just now.

Also plunged into the water to see, and fished a lot of mud from the lake.

Now that the little red worms are dead, he said: “It seems that there is not much lime sprinkled here, and the water can’t be drunk.

Li Longji finally didn’t drive the other outsiders away, and then came here to play with the mandarin ducks in the water. On the contrary, he had a water fight with the concubines for a while.

Then he went to have a barbecue under the sun umbrella on the shore, and praised Zhang Xiaobao and Wang Juan. He said it was a good place.

From his appearance, he seemed to be preparing to play for one day today and tomorrow. Stop playing.

Zhang Xiaobao said quickly, “Your Majesty.

There are other His Majesty who did not enjoy, the next three days.

Every day I have a different feeling

“Oh? Also? Can’t you do it today?” Li Longji asked.

“It can’t be arranged. How can there be a lot of events in one day? There is also a high-altitude diving, and there is more drifting where the water is drawn from the lake. At least three days.

Zhang Xiaobao replied, the so-called high-altitude diving is actually only five meters, even if it is horizontal. There is no danger in taking pictures. As for the small drifting, it costs a lot of money, because the river flowing into the lake is not that big. Although it also flows down from the mountain, it is impossible to drift fast first. .

For this purpose” Zhang Xiaobao asked the people who came early to build a small reservoir in the upper reaches to block the small river valley through which the river passes. There is no need to store too much water, as long as it can be flushed twice when the water is released.

Because of time It’s too short. Now I can only rush it once. I use the iron gate to control it. Just shake the iron rope next to it. The door can be opened. It takes a lot of work to build this simple small reservoir?

After Li Longji leaves. Rebuild it. When the time comes, there will be a group of 20 people who want to drift. It is estimated that there will be a lot of people rushing to each person for ten dollars.

Since there is no rubber, all small kayaks can only be made of leather. Life jackets The

same is true.

Li Longji has never played such a thing. After thinking about it, he finally decided to stay for three days. If he plays well, he can also build one in the capital.

Zhang Xiaobao and Wang Juan actually still There is something better, that is, try the translucent swimsuit at three o’clock. Women wear it. I was going to take it out and let Li Longji play with his concubine. But when Concubine Wu Hui came, naturally I couldn’t take it out. If Concubine Wu Hui, who was already good, wore such clothes, then Empress Wang would not have much advantage in going back.

Concubine Wu Hui also followed today, and she seemed very enthusiastic to Zhang Xiaobao and Wang Juan, which made them wonder if they were right ?

The other party has already thought of a way to make trouble for himself.

In the evening, the bonfire party starts again. Anyway, let Li Longji stay here for a few more days. It is best to write poetry or something. If you can write a world number one The word for leisure is even better. In the

next three consecutive days, Li Longji really stayed here, diving again, rafting again, and eating on the water again, which made Li Longji very happy.

Thinking it was almost time, Zhang Xiaobao and Wang Juan arranged Li Longji’s next itinerary to go to Luzhou. In normal history, Li Longji arrived in Luzhou first and climbed the Taihang Mountains there. This time he passed later. There is Zhang Xiaobao and Wang Juan didn’t mention it. Li Longji wouldn’t miss it.

So the team walked over there again, this time they didn’t take the waterway.

During the march of the team, Zhang said he had told Li Longji about turning the soldiers into recruits.

Come up with a strong plan.

This is mainly because the recruitment is a bit difficult now. Without Zhang Xiaobao and Wang Juan, the people who died in the last war would not have pensions.

All the people with names on the roster are afraid of being called up.

I just figured out a way to move my family and live in other places, so that people could not find them when they were recruited, and the household registration was very messy.

It is precisely because of this that Li Longji asked Yu Wenrong to check the household registration, and gave land to people who have no place of origin outside, so that they can live at ease. Yu Wenrong has done a good job in this regard, and it will be completed soon.

Those who fled before will no longer continue to be held accountable.

In this matter, Li Longji still agreed. There is more money in the treasury, and the guards are shallow. It is relatively easy to take out the money to recruit

troops. After hearing about this, Zhang Xiaobao and Wang Juan, the two They looked at each other, speechless.

“The recruiting system is a little better than the government system, but it also has many hidden dangers. If the court runs out of money, it will not be able to raise soldiers. Every locality raises its own soldiers. Whoever pays will listen to the soldiers. Yes. It seems that I have to talk to Li Longji.” Zhang Xiaobao said to Wang Juan after thinking for a while.

Wang Juan also knows the drawbacks of doing so.

After all, it is still the age of cold weapons, and there are too many people needed to fight, even if Zhang Shuo has cut a lot of frontier troops.

But as long as people have money.

How could he not secretly raise more troops, not to mention Jiedushi’s power is too great.

After listening to what Zhang Xiaobao said, he said, “Either we go to be the Jiedu envoy, then there will be more soldiers, and whoever wants to make trouble will clean up whoever wants to make trouble. I’m worried that there will be one less An Lushan, and there are other small villages in Sichuan. People will jump out. After all, the system itself provides people with such an opportunity.

Gu should go to Li Longji and tell him that he should not let the locality form its own army, and try not to recruit troops. If you don’t have money, it will be troublesome. The best is of course conscripts, just like we did at that time. Use honor to win the hearts of soldiers. When you are a soldier, as long as you stick to it for a few years, you can come back to do things and get a decent amount of money.

If the existing ones are good, then continue to cultivate them. In this way, the soldiers will be trained, and there will be a lot less trouble. Now the soldiers only accept money, and it is estimated that this will be the case in the future.

”

“Alright, I’ll talk about it when I go back.”

Zhang Xiaobao nodded. The

team went for a few more days before arriving in Luzhou.

The place where Li Longji started is in Luzhou. He has always regarded this place as his blessed land. Once he got there, he felt very comfortable. Mountaineering, For writing poetry, the local government was exempted from fu. Historically, it was exempted for five years. At this time, it may have been due to the relationship between Zhang Xiaobao and Wang Juan, which made a lot of money in the treasury. So it was exempted for six years at once.

It was exempted for one more year .

, This is not a small amount. Luzhou does not pay a lot of tax every day. One less year can give the people here one more opportunity to develop. After six years, it is difficult to be rich.

Zhang Xiaobao and Wang Juan naturally Don’t miss doing business on the Taihang Mountains here. Those who arrived early have organized local people to build better mountain roads, and built many villas in the mountains, all made of wood

. After going into the mountains to hunt, Li Longji had fun for a few more days.

After waiting on the way back, Zhang Xiaobao found an opportunity. He said to Li Longji, “Your Majesty, the minister and the cuckoo cuckoo are a little scared, and I don’t know what to do. Inappropriate to say.

”

“But it doesn’t matter.

“Li Longji felt that something was wrong, otherwise Zhang Xiaobao would not go around in circles, and it should be inappropriate to ask, since he has already asked, how can he not say it.

“Thank you, Your Majesty, the minister and Juanjuan heard about the recruitment of soldiers by Master Zhang. I felt a little inappropriate. At this time, the money in the DPRK was still abundant, but as long as there were several natural disasters in a row and some palaces and houses were repaired, the money in the national treasury might be lacking.

At that time, what money will your majesty use to support the soldiers?

Is it difficult to let the local disciplines make them support themselves?

Who are the soldiers who were raised?

”

Zhang Xiaobao brought out the important matters related to the country.

Li Long basically agreed with Zhang Shuo to recruit troops, and hearing Zhang Xiaobao’s words made sense.

But if you want to recruit troops in the same way as before.

The people who finally settled down should run around again, leaving the capital without troops.

Zhang said that this is also standing next to it.

Seeing Zhang Xiaobao’s objection to his proposal, he retorted: “Could it be that there is a better way for Master Zhang?”

“This is natural, there is a good way. But it can’t be used now, and I will do other things well. Besides, since you can recruit soldiers, you can use them for a few years first, and after a few years, you don’t have to continue to spend money like this.”

Zhang Xiaobao and Wang Juan have already discussed this matter, that is, conscripts, which requires other auxiliary methods. The soldiers of the government were actually conscripts, but they were slightly different from what they were at that time.

The conscripts of the Fubing are mainly trained less.

Or rather not.

Zhang said that he felt uncomfortable. If it was someone else who said that, he wouldn’t believe it, but when Zhang Xiaobao said it, it was hard for him to believe it or not. After all, Zhang Xiaobao and Wang Juan’s abilities were there.

What he meant was that if Zhang Xiaobao and Wang Juan could talk to me first, and then let me mention it to the emperor, that would be great.

But Zhang Xiaobao actually said it himself.

Therefore, Zhang said he wanted Zhang Xiaobao to talk about specific things, and then he picked faults in it.

So he asked Zhang Xiaobao, “I don’t know if Master Zhang can tell you the details now, otherwise, if you do something wrong, wouldn’t it make His Majesty worry.”

How could Zhang Xiaobao not know what Zhang said was thinking.

Shaking his head slightly, “I can’t say it. If I say it now, it is easy to be used by people with a heart. It will be clear when the time comes. As for His Majesty’s worries, it seems that the minister and Jujuan have not worried His Majesty.”

Zhang Bao’s words couldn’t be more clear. Zhang said that he did not continue to say anything, but looked at Li Longji.

Li Longji’s heart tickled at what Zhang Xiaobao said.

Seeing that Zhang Xiaobao didn’t say anything, he had no choice but to lead: “Then Xiaobao, you have to worry more.”

Although he didn’t know whether it was feasible or not, Li Longji also understood that even if Zhang Xiaobao and Wang Juan were If you don’t do it right, you can’t go wrong. There is still a sense of balance between the two.

This matter was known to Concubine Wu Hui again. In the same way, she once again attracted attention to Zhang Xiaobao and Wang Juan, and wanted to see what they were going to do. The Zhang Wang family was planning to open a bank. It was rumored that it could make a lot of money.

He also said that Zhang Xiaoxiaobao and Wang Juan did not intend to let other people participate, and they should earn the money from their own families.

Anyway, the half-truth and half-truth of the story makes it difficult to detect the final situation for a while, especially that Zhang Xiaobao and Wang Juan are directly under the control of the emperor. If they encounter someone who hinders them, they can kill first and then play it up, which makes many people feel uncomfortable. Get comfortable.

Zhang Xiaobao and Wang Juan have not heard the rumor, because the rumor started to spread elsewhere.

It is estimated that someone in the capital has said it now, or it has just been said, and when it spreads here, it may be encountered on the way back.

The two followed the team and returned to Jinyang. Li Longji, who was supposed to stay for two days, was addicted to playing rafting. He had to stay for five more days before getting on the boat.

Down the stream.

Zhang Xiaobao and Fu… were relieved, as long as they returned to the capital, one trip would be nothing but round feet and immortality on the road, let the people who stayed behind be in charge of running the two places, and be sure to bring the emperor over to play and be willing to play news spread.

I came because I wanted to give the people in front of me time to prepare.

So go slow.

In addition, it is a countercurrent, so you don’t need to prepare any more when you go back.

It was smooth sailing again, and the speed of the fleet was very fast.

At this time, there was also a market near the chain bridge where there was no market before. No matter what the odd or even day or whether it was a Friday or a Friday, the people who had benefited set up stalls on both sides of the market, and strolled in the past when they had nothing to do. .

If someone buys something on the other side of the bridge and doesn’t want to pay the bridge toll, the people who sell the thing will send the goods over, and they pay the annual fee, which is very cheap and can be passed casually.

Seeing this situation, Zhang Xiaobao and Wang Juan had to sigh that people’s wisdom is boundless, because the two of them have already discovered that when a businessman is preparing to cross the bridge with goods, he does not pay the bridge toll for Anwu, but finds a local People who pay annual fees.

If the bridge toll for a batch of goods is ten cents, then they only need to give the people three or four cents, and the people will help them transport them to the opposite side, and it will be much cheaper if they come back by themselves?

Li Longji also came to this special. In the situation, he brought Zhang Xiaobao and Wang Juan over and asked with a smile: Xiaobao, Jujuan, do you feel that you have miscalculated?

Did not expect it?

”

Zhang Xiaobao and Wang Juan knew from the beginning that such a thing would happen, and it wasn’t a big deal. There was no way to block such a gap.

“Your Majesty, it’s just because there are markets on both sides of the bridge, so let them do this. do go.

As long as they don’t fight each other, it won’t take long. Some people will no longer continue to sell goods, but will wait here for businessmen to come and go.

They help deliver the goods.

Zhang Xiaobao talked to Li Longji about what would happen in the future.

“Oh? If that’s the case, why are there markets on both sides of the bridge?” Li Longji couldn’t figure it out, and asked the two of them again.

Wang Juan stood up and explained, “Because we will soon increase the single price of goods crossing the bridge. And reduce the monthly fee and annual fee, when the time comes, those who specialize in transportation will also increase their labor income, such as a The goods of the car. Now it is 12 pennies, then it will become 24 pennies in the future.

People who specialize in helping transportation here will not be able to do it with only a little benefit as before, they will join together to form an organization, At that time, negotiate with the merchants, for example, save half the money.

If the merchants come and go here frequently, they will consider whether to pay an annual fee or a monthly fee. We can first let the merchants only pay monthly, not annual, because then If so. Many businessmen may not be able to directly package, and they must be informed that it is a blessing to be able to package yearly. After they pay the monthly fee, they will definitely transport a lot. Only in this way can we maximize the benefits.

At that time, we will be slightly Raise the monthly fee and open a very cheap annual fee. They will feel that the annual subscription is not easy to come by, so the annual subscription will be their loss if the goods are not shipped. If they are shipped, they must find a way to find a market. , and speed up?”

Li Longji was stunned and said with a smile: “Lianhe understands. In this way, the local tax can be charged more, and the more frequent the exchanges, the more prosperous the economy will be, as long as the local government takes out the tax collected. Part of the road construction can make the businessmen’s transactions faster?

Good idea, but don’t you just lose?”

Li Longji is also smarter now, and knows some economic and political relations.

Of course, he also has a political economy summed up by Zhang Xiaobao and Wang Juan.

It turned out to be only for the inner school.

After talking about the opening of the bank, Li Longji asked him to read a book. He said that he would not let others know about it within three years, so he learned it by himself.

Zhang Shuo was also listening next to him. He was very happy after knowing about this earlier. Zhang Xiaobao and Wang Juan were making less money, so he was relieved.

At this time, I heard the emperor say that Zhang Xiaobao and Wang Juan lost money, and then contacted the two people in front of them and said: “Your Majesty, Zhang Xiaobao and Juanjuan can’t lose money at all. Whether it is a person who specializes in bringing goods to others, or is willing to pay for a year. Businessmen, all need to pay the annual fee. There would not be so many people who paid so much, so how could two people pay?”

“Master Zhang is exactly what he said, not only that, there is another advantage that allows us to Quickly collect the money, take back the bridge repair money in advance, and then use it to do other transactions, otherwise if there is no money to do business and manage the bank borrowing, then Zhang Xiaobao, who has to pay interest, affirmed what Zhang said. , and said another benefit.

Wang Juan also went on to say: “In fact, there is another method, but it is not used well.

”

“What method?

“Li Longji is most willing to listen to Zhang Xiaobao and Wang Juan talking about such things, and thinks that the book of political economy can be integrated.

“The method is to choose a lot that requires a lot of ships to transport, and Xiaobao and I will not pay a penny.

Put up a notice saying that the bridge is going to be built here.

With the reputation of our Zhang and Wang families, we can also sign a contract with the government.

Then tell the merchants who come and go, and the people who are going to buy and sell in the two markets.

As long as they are willing to come up with the money first.

Then the annual fee in the future will be half cheaper than others, if not cheaper.

We don’t take advantage of them and give them their money back.

Wang Juan explained.

”

Then why is it bad?”

Zhang

Xiaobao pouted, “Of course it’s not good, we are taking other people’s money and not using it for nothing, even if we return the money to them in the future, it is a kind of way for them. Cheat, otherwise there will be no money.

How much interest do we have to borrow?

Therefore, the court wants to add one to the law, that is, this matter must be written in the contract.

Don’t make loopholes.

At that time, if the businessman who used other people’s money does not meet the requirements, not only will the capital be returned to others, but also very high interest.

Otherwise, Zhang Shuo, Li Longji and others

must do what was written in the contract. They were surprised. They didn’t expect that things could be done this way. It’s really amazing.

Unexpectedly, there is such a means.

Yu Wenrong’s eyes lit up, looking at Zhang Xiaobao and Wang Juan as if he were looking at two babies.

Even if two people just shot his person some time ago.

He doesn’t care either, even if Zhang Xiaohong and

Zhang Xiaohong are cleaned up by the people on his side in the second grade of primary school, he will not be able to resent it. ※

Who told Feng Changgong to know Zhang Xiaobao and Wang Juan’s reputation and still not convinced and want to oppose him, that would still be a problem. There are good.

Yu Wenrong looked at Zhang Xiaobao and Wang Juan.

He said to the emperor: “Your Majesty, the Tang Dynasty has Zhang Zhuluo and Wang Xiancheng, maybe the law can be improved a lot, especially in the economy

.” It’s Xiaobao, cuckoo, is there any other tricks?

Say something and let Li Longji agree with Yu Wenrong.

He asked Zhang Xiaobao and Wang Juan again.

Zhang Xiaobao glanced at Wang Juan, and Wang Juan returned the look you said.

Only then did Zhang Xiaobao say, “Of course there are. There are many tricks, all kinds of tricks, but everything is inseparable, like the one just now” It’s not a scam, after all, the people who are deceived lose a lot, and there is another way It was what the Chamber of Commerce secretly formed by the Ning family did when they were in Luzhou.

It is a real deception to use a broker, it is impossible to make money, and then cheat people’s money. If you change it, it can be the same as the previous one. It is to build a bridge in this place, and then let it be. People put money in.

Said to be able to give people money every month.

Then use the money to invest, part of the money earned will be given to the common people, and part of it will be kept, but I am afraid that the investment will fail, and that will not only pay the common people’s money back, but the deceiver may also run away

.” Is it? It’s not a scam, but it can really make money.” Yu Wenrong was fascinated.

asked again.

“Also, after the bank opens, there will be an approval when the goods are released. For example, who wants to build a workshop in a certain place. But there is no money, so borrow directly from the bank, and the bank can’t borrow it right away. , because there is no mortgage for this project, even if it is borrowed, it is only a small amount.

Even if the person who wants to borrow money invests a little money to do it first, it will not give him too much money, but if he uses the first If you invest this part of the money to buy a piece of land in a good location, and then use this land and the project to be carried out to loan, you can borrow more money, because it will keep the bank from losing.

This is regarded as having two mortgages , as long as the operation is good, it is a win-win situation, and there are still loopholes that can be exploited in this respect, and no one may know it now. In the future, Cuckoo and I need to regulate, that is, when the bank lends money, it will not be released all at once. Instead, it is part by part.

The person who wants to borrow is going to do something. Only when the money obtained in the early stage is really used can he continue to give it to him, otherwise there will be trouble. This is a very common thing. It will be standardized.”

Zhang Xiaobao talked about this to the people who were listening carefully.

Then he talked about a lot of loopholes in other aspects, and everyone was hooked and learned a lot.

Of course, if you want to take it out and use it, it’s impossible, because Zhang Xiaobao will stare at it.

Waiting for the time to return to the capital.

There are also several important places around the capital that have opened money shops.

This is, the procedures are approved very quickly, to be precise, there are no restrictions.

It made Li Longji very happy, and he hoped that he could quickly occupy more territory through the economic war, but Zhang Xiaobao and Wang Juan were not happy at all, because they now lacked a department, that is, the China Banking Regulatory Commission. Once a bank is established, other people can learn to open a bank, and if there is no supervision department, there will be problems.

So after the two had dinner, they found Li Longji who wanted to sleep with Concubine Wu Hui, and they called the ministers who followed, and told everyone about the supervision. Qianzhuang without supervision was a big one. Bombs, a lot of things will happen.

Especially when it comes to lending abroad.

This has to be regulated, even if there are still loopholes that can be exploited, it is a part of it that can be reduced.

Li Longji is worried now, because if you want to set up a banking supervision committee, you need people who are very proficient in this area, otherwise others will not know what to do. If you want to say that the proficient person is Zhang Xiaobao, but Zhang Xiaobao also has some money Invest in the bank.

It is absolutely impossible to let yourself supervise yourself, but if you let others supervise, who can bypass Zhang Xiaobao?

If there is no supervision, there is no guarantee that the bank actually acts according to the interest rate, and there is no guarantee that the bank uses other means to obtain money from depositors.

Of course, with the exception of Sanshui County, the places where Zhang Xiaobao and Wang Juan are located are also excluded.

What Li Longji and others are worried about is that others will follow the example of Zhang Xiaobao and Wang Juan to open a bank, and then use the increased interest on savings to compete, and then use the money to do other things. They are not afraid that they will make money, but they are afraid that they will lose money. If something goes wrong, then the bank’s reputation will be lost. Who would dare to deposit money in the bank in the future?

Xiaobao, you really can’t keep that bank supervision committee closed while you’re running the bank?

.

Li Longji is still very relieved about Zhang Xiaobao, and feels that he will not use the power in his hands to seek benefits for himself.

Zhang Xiaobao shook his head seriously and replied, “No, absolutely not, it’s not a matter of my character. It’s what I have to do. If I don’t do it, I can’t regulate it, and no one can guarantee that I can really face such a situation. There are many opportunities without being tempted. First, we must eliminate this aspect from the root cause.

For example, in my family, when taking money and using it, there must be two people. One is dedicated to managing money. , but can’t use money, one is dedicated to using money, but can’t manage money, the two supervise each other, if it is a large amount of money, it needs

to

go up for further approval.

That is to tempt others to make mistakes. Once they make mistakes, it is the responsibility of my family, not the responsibility of the money keeper.

“So what should I do?

Who can oversee it?

How should it be standardized?

“Li Longji is worried.

“I can help train some people. Now it’s me and Juanjuan who are opening the bank, within a certain period of time.”

We will not ask for any means, which can still be guaranteed. We are temporarily responsible for the management of the bank, but we cannot immediately let others open the bank.

After I train it well, and specifically allow the trainee to deal with mistakes that are not too big of a loophole, can others be allowed to open a bank,

and there is no good way to seal Zhang Xiaobao if they open it in private.

If the bank is not open, it will not work. If you wait for the training to be successful, it will delay for a long time, which is absolutely impossible.

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[End of this Chapter]