Wang Juan took a cotton ball and gave it to everyone. Zhang Jiazhen, Zhang Jiuling, and the others were not left out, but she did not give it to Zhang Shuo.
Before Zhang Shuo could figure out what Wang Juan was busy with, he was frightened by a loud bang and almost fell to the ground, followed by continuous crackling sounds.
Li Longji was not frightened. Instead, he happily looked at the welcoming scene.
Zhang Shuo helplessly covered his ears with his hands and glanced at Wang Juan, who was snickering at the side. He did not know whether to laugh or cry. She was still a child.
Wang Juan did her best to arrange things according to historical situations. Other than the place that she and Zhang Xiaobao specially used to receive Li Longji and prepare for his future wealth, there were not many changes. For example, Li Longji changed Bingzhou to Taiyuan Prefecture, exempted taxes, and so on.
After the officials of Jinyang met up with Li Longji's team, the officials had already arranged according to the letter that Zhang Xiaobao and Wang Juan had sent in advance and brought Li Longji around.
Zhang Xiaobao and Wang Juan guessed that Li Longji would not be able to go to the prepared place to play today. The two of them found an excuse to go there to check if there were any omissions and asked for leave from Li Longji. As for whether Li Longji could continue to write poems, it was not up to the two of them to decide. It did not matter whether he wrote one more poem or not.
Zhang Xiaobao and Wang Juan, who asked for leave, led their family's protection team, as well as Xiao Bei and the others. They shook off the Old Man Pi trio, who did not know that the two of them had left, and found the place prepared for Li Longji to play. They took out their long guns and handguns.
Under the curiosity of Xiao Bei and the others, they began to shoot at the target that was set up 20 meters away.
After a magazine of 11 bullets was emptied, the group of people ran over to watch.
"Okay, I got it. Next time, aim a little to the left." After Zhang Xiaobao looked at the bullet's point of impact, he concluded that the bullet's trajectory had deviated by quite a bit.
"Looks like the technology still needs to be improved." Wang Juan also felt that the gun in her hand was a little lacking.
"Me too, me too." Xiao Bei looked at them curiously. They were so far away, yet they didn't see any arrows being fired, nor did anyone draw a bow. Popping sounds rang out like firecrackers, and the sign that had been erected here was destroyed. She was smart, so she immediately knew that this was a weapon that could shoot from very far away.
"Okay, okay. This is too heavy. Wait for big brother to make you a lighter one. Remember, you can't tell anyone." Zhang Xiaobao reloaded the magazine and said to Xiao Bei.
Xiao Bei nodded vigorously. "I know, but I won't say anything. You can't tell anyone about your family matters. It has to be kept a secret."
The other little guys also clamored for one, and Zhang Xiaobao agreed one by one.
When he had time, he would make one for them. Of course, it wasn't the gun that he was holding, but a toy made of wood. It was a toy made of animal tendons that was used to pull small stones. It was best to stick a layer of cotton on the outside of the stones.
Then the two of them continued to test the gun. They kept the target at a distance of 60 meters and gradually felt the situation of the gun in their hands. Then, they thickened the target and replaced the original paper target with a wooden one. From this, they could test the effective range of the pistol bullet.
They let someone use a bow and arrow to test. They could shoot someone to death at a certain distance. After testing, the effective range of the pistol was 35 to 37 meters. The main problem was the bullets.
After testing the pistol, they began to test the rifle. After adding a scope modified with binoculars, Zhang Xiaobao and Wang Juan were both happy and dissatisfied.
What made him happy was that the rifle was relatively more accurate than the pistol. What he was not satisfied with was naturally the range. One thousand meters was out of the question, and eight hundred meters was impossible for the bullets to fly over. The final result was between two hundred and fifty meters to three hundred meters.
This distance was worse than a crossbow, but it was better than a normal bow and arrow. The advantage was that the shooting speed was faster, and the bullets were lighter than the arrows, so they could be carried more.
"More or less. Let's do this first. We can't expect to use it as a long-range sniper rifle. If we can get 300 to 500 of them and equip them for the army, the lethality is still not small."
Wang Juan said as she disassembled the rifle.
"This is the progress of the era. It's much more powerful than the flintlock that first appeared in the Song Dynasty. Alright, we can equip the army with this weapon in the future. When the time comes, we will be invincible and invincible."
Zhang Xiaobao put the disassembled rifle into his backpack, looking like he was the most powerful person in the world.
Wang Juan glanced at Zhang Xiaobao and said, "Any good weapon depends on who is using it. In the future, even if we are equipped with it, we can't underestimate the enemy. We can only use it at critical moments. The range of other people's crossbows is not short. If someone gets a few of them, the technology can be considered to have been passed on."
"It seems like Lu Zhou's side should be more careful in keeping it a secret. It's best if we can transfer it to the underground."
Zhang Xiaobao understood the logic behind this as well. It was just like the gunpowder back then. If they had not attacked the enemy, they would not have been taken away by the enemy after losing the war. In the end, the people in Europe were better at using gunpowder than here. They improved their technology in a short period of time. When they attacked the enemy again, the people in Europe could not even put up a fight.
After testing the rifle, the duo did not plan to look for Li Longji. Instead, they brought Xiaobei and the others to swim. This was the place prepared for Li Longji.
Nobody was suspicious of the commotion earlier. They thought someone was setting off firecrackers here.
"Alright, let's change and swim." Zhang Xiaobao called out to the little ones when they arrived at a large lake that was originally here.
In order to take advantage of the situation, Zhang Xiaobao and Wang Juan had rented a large area here. They modified the original small lake, especially the shore. They had people transport a lot of sand here.
This way, during summer, tourists could come here to swim or to have a barbeque on the beach and sunbathe.
Li Longji could not say that he would not allow anyone to come to such a large place just because he had swum once. Therefore, he did not allow anyone to come to the courtyard that was prepared for him. However, he could rent out the courtyards beside it.
Since the Emperor was willing to visit this place, other tourists would surely want to enjoy it as well. When the time came, the price would be very high.
If they opened a few open-air stalls and used local wine, they would probably be able to earn back all the money they spent on this trip by next summer.
When the person in charge of this place saw Zhang Xiaobao and the others wanting to go into the water, he hastily stopped them. He said that this place was prepared for the Emperor and that they could not go in as they pleased.
In the end, before Zhang Xiaobao and Wang Juan could say anything, Xiao Bei told the person that he was testing the water for the Emperor. Otherwise, if the water turned cold and there was something in the water, it would not be good. The person in charge was speechless and could only watch from the side.
He thought to himself, 'Is there even a need to test this place? People have already cleaned this place over and over again. Other than the small fishes, there are no other living things in the water. Even the aquatic plants in the lake have been pulled out in advance.'
The lake that was filled with a lot of sand was very comfortable to use. At first, it was only half a meter high, then it was one meter high. In any case, every half a meter, there would be a distance of 20 meters, so people would not be drowned.
Zhang Xiaobao and Wang Juan floated in the water and did not go deeper. They were only about 1.5 meters deep, which was just enough to cover the two of them.
Xiao Bei and the others were also swimming in this area. Compared to Zhang Xiaobao and Wang Juan, they could swim in a larger area. Even if it was half a meter deep, they could still swim.
Perhaps it was because they had been raised well, but the little ones were not afraid of water at all. They swam in the water, breaststroke and backstroke very freely. They could even speak casually.
*****
Two days later, Li Longji and the officials were almost done with their work. They finally came to this swimming area. Zhang Xiaobao and Wang Juan persuaded Xiao Bei and the others to come ashore and wait for the barbecue. The two of them accompanied Li Longji and swam in the lake.
The specially made swimsuits were worn by the palace maids and concubines that Li Longji had brought along. They were immediately white, making Li Longji want to chase away the guards and Zhang Xiaobao.
Seeing him like this, Wang Juan whispered to Zhang Xiaobao, "You haven't seen the world. It's just exposing your arms and legs. Is there a need to be like this?"
"That's right. When I was outside in the past, there were many women who didn't wear anything. Don't talk about three o 'clock. It's not interesting at all. It's really boring. Don't look at me like that. Western women have wrinkles on their faces when they're 18 or 19 years old.
You watch over them first. I'll go down and see if there are any shells. Don't clean them all up. We can eat them in a while. Wait, I'll come up after I take a look. "
As Zhang Xiaobao spoke, he suddenly noticed that Wang Juan's gaze was not right. After saying this, he dove into the water. He stayed in the water for a full three minutes before he came up again and shook his head regretfully.
"No, there are only small fish in the water. This bunch of prodigal things. Tell them to leave the shells and clean them all up. Later, when we go up, we'll get people to fish them up from other rivers and put them in the lake. In the future, there will be a special program here. We'll get people to fish them up and then roast them. Each shell will be sold for one copper coin."
Wang Juan did not mention what had just happened. She also dove into the water to take a look. She scooped up a lot of mud from the lake and found that Xiao Hong's insects had all died. She said, "It seems that a lot of lime has been scattered here. The water can't be drunk."
In the end, Li Longji didn't chase away all the other outsiders. Instead, he played a water fight with the concubines for a while.
Then, he went to the beach to eat barbecue under the sun umbrella. He also praised Zhang Xiaobao and Wang Juan, saying that this place was good.
From the looks of it, he seemed to be prepared to play all day and not play the next day.
Zhang Xiaobao quickly said, "Your Majesty, there are other things that you haven't enjoyed yet. For the next three days, there will be different feelings every day."
"Oh? There's more? Can't I do it today? "Li Longji asked.
"I can't arrange it. How can I make it in time for many of the programs in one day? There's also a platform diving program. There's also a floating program that takes at least three days to complete."
Zhang Xiaobao replied. The so-called platform diving was actually only five meters. Even if it was horizontally, there would not be any danger. As for the floating program, it cost a lot of money because the river that flowed into the lake was not that big. Although it also flowed down from the mountain, it was impossible to float quickly.
Because of this, Zhang Xiaobao asked the people who came in advance to build a small reservoir upstream, blocking the small valley where the river passed through. There was no need to store too much water, as long as it could be flushed twice when the water was released.
Because the time was too short, it could only be flushed once. It was controlled by an iron gate. As long as the iron chain was shaken, the gate would open. It took a lot of effort to build this simple reservoir.
After Li Longji left, it would be rebuilt. At that time, there would be a group of twenty people who wanted to float. Each person would pay ten strings of coins. There would probably be a lot of people who would rush to do it.
Because there was no rubber, all the small kayaks could only be made of leather. The life jackets were the same.
Li Longji had never played with such a thing. After thinking about it, he finally decided to stay for three days. If it was good enough, he could build one in Beijing.
Zhang Xiaobao and Wang Juan actually had something better, which was a translucent swimsuit for women. They were going to take it out and let Li Longji play with his concubines. However, since Wu Huifei was here, they naturally could not take it out. If Wu Huifei, who had a good appearance and figure, wore such a swimsuit, Empress Wang would not have much of an advantage when she went back.
Wu Huifei also came today. She was very friendly to Zhang Xiaobao and Wang Juan, which made them wonder if she had already thought of a way to make trouble for them.
At night, there was a bonfire party. Anyway, it was to let Li Longji stay for a few more days. It would be best if he could write a poem or something. It would be even better if he could write a word about the world's number one leisure place.
For the next three days, Li Longji really stayed there. He jumped, drifted, and ate on the water. Li Longji was very happy.
When they felt that it was about time, Zhang Xiaobao and Wang Juan arranged Li Longji's next itinerary to go to Luzhou. Normally, Li Longji would go to Luzhou first and climb Taihang Mountain there. This time, he would go there later. Even if Zhang Xiaobao and Wang Juan did not mention it, Li Longji would not miss it.
Thus, the group went there again. This time, they did not go by water. After playing there for a while, they would have to come back and take a boat.
While the group was moving, Zhang Shuo told Li Longji about the matter of the prefectural soldiers becoming conscripted soldiers. He came up with a plan to get rid of the weak.
This was mainly because conscripting soldiers was a bit difficult. If it was not for Zhang Xiaobao and Wang Juan, the people who died in the war last time would not be compensated.
Many people with names on the register were afraid of being conscripted, so they thought of ways to move their families and live in other places. When people were conscripted, they would not be able to find them. Their household registration was very messy.
It was also because of this that Li Longji asked Yu Wenrong to investigate the household registration. He also gave land to those who did not have a place to live so that they could live in peace. Yu Wenrong did a good job on this point. It was almost done, and those who escaped before would not continue to be held accountable.
In this matter, Li Longji agreed. The national treasury had more money, and there were fewer people guarding the capital. It was more cost-effective to use the money to conscript soldiers.
When Zhang Xiaobao and Wang Juan heard of this matter, the two of them looked at each other speechlessly.
"The conscripted soldiers system is better than the prefectural soldiers system, but there are many hidden dangers. If the royal court runs out of money, they won't be able to raise soldiers. Every region has their own soldiers, and the soldiers will listen to whoever pays the money. It seems like we have to talk to Li Longji about this."
Zhang Xiaobao pondered for a moment before speaking to Wang Juan.
Wang Juan also knew the drawbacks of this system. After all, it was still the era of cold weapons, and there were too many people needed to fight a war. Even though Zhang Shuo had cut off many of the border troops, as long as he had money, how could he not secretly raise more soldiers? Besides, the authority of a regional commander was a little too great.
After hearing Zhang Xiaobao's words, she said, "Why don't we become regional commanders as well? When we have more soldiers, we can deal with anyone who dares to cause trouble. I'm worried that without An Lushan, someone else will jump out. After all, this system itself provides people with such opportunities.
I really have to talk to Li Longji and tell him not to let the regions form their own armies. Also, it's best not to conscript soldiers. It'll be troublesome if they don't have money. It's best to use conscripts, just like what we did back then. We used honor to win the hearts of the soldiers, and as long as they persevered for a few years, they would be able to return to work and receive a decent amount of money.
If we find someone who is good, we can continue to nurture them. This way, when the soldiers are trained, it will save us a lot of trouble. Right now, soldiers only care about money, and this will probably be the case in the future. "
"That's fine. We'll talk about it when we return." Zhang Xiaobao nodded.
The group traveled for a few more days before arriving at Luzhou.
Li Longji had started his business in Luzhou, and he had always treated this place as his blessed land. As such, he felt very comfortable when he arrived. He climbed mountains, wrote poems, and exempted taxes for the region. Historically, he had exempted taxes for five years. This time, perhaps because of Zhang Xiaobao and Wang Juan, the national treasury had a lot more money, so he had exempted taxes for six years.
An extra year of tax exemption was not a small amount. Luzhou was not small to begin with, and it had to pay a lot of taxes every day. One year less meant that the people here had an extra year of development opportunities. After six years, it would be difficult for them not to become rich.
Zhang Xiaobao and Wang Juan naturally would not miss out on doing business in Taihang Mountains. The people who had arrived earlier had already organized the local people to build better mountain paths. They had also built many villas in the mountains, all made of wood.
They also provided hunting activities in the mountains, which made Li Longji happy for a few more days.
On the way back, Zhang Xiaobao found an opportunity to say to Li Longji, "Your Majesty, Cuckoo and I have an idea, but we don't know if we should say it."
"There's no harm in saying it." Li Longji felt that something was not right. Otherwise, Zhang Xiaobao would not beat around the bush and ask if he should say it. Since he had already asked, how could he not say it?
"Thank you, Your Majesty. Cuckoo and I heard Lord Zhang's idea of recruiting soldiers, and we feel that it is a little inappropriate. At this time, the imperial court is still rich, but if there are several natural disasters in a row, and some palaces and houses are built, the national treasury may be short of money.
When that time comes, how will Your Majesty raise the soldiers? Are you going to let the provincial governors raise the soldiers themselves? Then who will the soldiers raised belong to? "
Zhang Xiaobao asked about this important matter that concerned the country.
Li Longji had originally agreed to Zhang Xiaobao's idea of recruiting soldiers. After hearing what he said, he felt that it made sense. However, if they were to follow the previous method of recruiting soldiers, the people who had finally settled down would run around again, leaving the capital with no soldiers to use.
Zhang Xiaobao was also standing to the side. When he saw Zhang Xiaobao oppose his idea, he retorted, "Could it be that Registrar Zhang has a better idea?"
"Of course, there is a good idea, but it can't be used now. I'll talk about it after I settle other matters. Since we can recruit soldiers, we can use them for a few years. After a few years, I think we won't have to continue spending money like this."
Zhang Xiaobao and Wang Juan had already discussed this matter, and that was the compulsory soldiers. This required other supporting methods. The current prefectural soldiers were also compulsory soldiers, but they were slightly different from the ones they had in the past. The compulsory soldiers of the prefectural soldiers had less training, or perhaps none at all.
Zhang Xiaobao felt uncomfortable in his heart. If it was someone else who said this, he would not believe it. However, since it was Zhang Xiaobao who said it, it was hard for him not to believe it. After all, Zhang Xiaobao and Wang Juan's ability was there for all to see.
What he meant was, if Zhang Xiaobao and Wang Juan could first tell him, then let him mention it to the Emperor, then that would be good. However, Zhang Xiaobao actually said it himself.
Therefore, Zhang Shuo wanted Zhang Xiaobao to tell him the details, and then he could find fault with it. As such, he asked Zhang Xiaobao, "I wonder if Registrar Zhang can tell us the details now. Otherwise, if you make a mistake, wouldn't His Majesty be worried?"
How could Zhang Xiaobao not know what Zhang Shuo was thinking? Weiwei shook her head, "I can't say. If I say it now, it will be easily used by people with ulterior motives. When the time comes, we will naturally know. As for His Majesty's worries, this subject and Cuckoo have not caused His Majesty to worry."
Zhang Xiaobao's words couldn't be more clear. Zhang Shuo didn't continue to say anything, but instead looked at Li Longji. Li Longji's heart was itching after hearing Zhang Xiaobao's words. Seeing that Zhang Xiaobao didn't say anything, he couldn't do anything. He could only nod and say, "Then, I will have to trouble you more, Xiao Bao."
Although he didn't know if this matter was feasible, Li Longji also understood that even if Zhang Xiaobao and Wang Juan didn't do anything wrong, they wouldn't make a big mistake. The two of them still had a sense of propriety.
This matter was also known by Wu Huifei. Similarly, she had people keep an eye on Zhang Xiaobao and Wang Juan. She wanted to see what the two of them were going to do. She had already spread the news that Zhang Xiaobao and Wang Juan were preparing to open a private bank, saying that they could make a lot of money. She also said that Zhang Xiaobao and Wang Juan didn't intend to let anyone else participate and wanted to earn all the money for themselves.
In any case, the news was spread with half truth and half lies, making it difficult for people to discover the final situation. Especially that Zhang Xiaobao and Wang Juan were directly under the Emperor's control. If they encountered anyone who obstructed them, they could first kill them and then report to the Emperor. This made many people feel uncomfortable.
*****
Zhang Xiaobao and Wang Juan hadn't heard of this rumor yet, because this rumor had started spreading in other places. It was likely that someone in the capital was just talking about it. When it spread to here, perhaps they would encounter it on the way back.
The two of them followed the team back to Jinyang. Li Longji, who was supposed to stay for two days before going back, became addicted to drifting and insisted on staying for five more days. Only then did he board the ship and go with the flow.
Zhang Xiaobao and Wang Juan also let out a sigh of relief. As long as they returned to the capital, this trip would be complete. When they were on the way back, the people who stayed behind were in charge of managing the two places. They had to spread the news that the Emperor came to play and was willing to play.
When they came, they had to give the people in front time to prepare, so their speed was slow. In addition, they were going against the current, so they didn't need to prepare much when they went back. Moreover, they were going with the current, so the speed of the fleet was very fast.
At this time, there was a market near the iron chain bridge that hadn't appeared before. It didn't matter whether it was odd or odd, the commoners who had benefited set up their own stalls in the markets on both sides. When they had nothing to do, they would stroll over.
If someone wanted to buy something on the other side of the bridge and didn't want to pay the bridge fee, the commoners would send the goods over. They all paid the annual fee, which was very cheap and casually passed.
Seeing this situation, Zhang Xiaobao and Wang Juan couldn't help but sigh at the wisdom of people. This was because the two of them had discovered that when merchants were preparing to cross the bridge with goods, they didn't pay the bridge fee for the goods. Instead, they looked for the commoners who had paid the annual fee.
If the fee for a batch of goods was ten copper coins, then they only needed to pay the commoners three or four copper coins. The commoners would help them transport the goods to the other side, and it would be much cheaper for them to come over themselves.
Li Longji also saw this situation and called Zhang Xiaobao and Wang Juan over. He smiled and asked, "Xiao Bao, Cuckoo, do you feel like you miscalculated? You didn't expect this, did you? "
Zhang Xiaobao and Wang Juan already knew that this would happen. It wasn't a big deal, so this kind of loophole couldn't be blocked.
"Your Majesty, it's actually just because there are markets on both sides of the bridge. Just let them do what they want. It's fine as long as they don't fight each other. It won't be long before a portion of the commoners will stop selling goods and wait for merchants to come over. They will help transport goods."
Zhang Xiaobao explained to Li Longji what would happen in the future.
"Oh? If that's the case, then why are we still building markets on both sides of the bridge? "Li Longji couldn't figure it out, so he asked the two of them again.
Wang Juan stood up and explained, "It's because we're about to raise the price of goods crossing the bridge and lower the monthly fee and annual fee. When the time comes, the people who specialize in transporting goods will also increase their income. For example, if a carriage of goods costs twelve copper coins now, it will become twenty-four copper coins in the future.
The people who specialize in transporting goods won't be like before, where they'll just do whatever they can for a little benefit. They'll band together and form an organization. When the time comes, they'll bargain with the merchants. For example, they'll save half of the cost.
If the merchants who come here often will consider whether they should pay an annual fee or a monthly fee. We can first make it so that the merchants can only pay a monthly fee and not a yearly fee. That's because many merchants won't be able to pay a yearly fee. We have to let them know that being able to pay a yearly fee is also a kind of happiness. After they pay the monthly fee, they'll definitely transport more goods. Only then will we be able to maximize the benefits.
When the time comes, we can slightly raise the monthly fee and introduce an extremely cheap yearly fee. They'll feel that it's not easy to get a yearly fee, so they'll start to pay a yearly fee. Once they get a yearly fee, it'll be their loss if they don't transport goods. If they do, they'll have to think of a way to sell their goods and speed up the process. "
Li Longji came to a realization and said with a smile, "We understand now. This way, we can collect more taxes. The more frequent the transactions, the more prosperous the economy will be. When the time comes, as long as the local authorities take a portion of the collected taxes to build roads, the merchants will be able to do business faster.
That's a good idea, but won't you guys be making a loss? "
Li Longji was quite smart now and knew a bit about the relationship between economics and politics. Of course, he also had a book on political economy that Zhang Xiaobao and Wang Juan had summarized.
Originally, it was only for the inner court to learn. Ever since they talked about opening a bank, Li Longji asked for a copy. He said that he wouldn't let anyone else know about it for three years, so he learned it himself.
Zhang Shuo was also listening at the side. When he first found out about this, he was very happy. Zhang Xiaobao and Wang Juan didn't earn as much money, so he was able to vent his anger.
At this time, when he heard the Emperor say that Zhang Xiaobao and Wang Juan would be making a loss, he connected the dots and said, "Your Majesty, it's impossible for Zhang Xiaobao and Cuckoo to make a loss. Whether it's a person who sells goods for others or a merchant who is willing to pay a yearly fee, they all have to pay a yearly fee. Originally, people who wouldn't pay so much have already paid, so how can the two of them make a loss?"
"Lord Zhang is right. Not only that, there's another benefit. It allows us to quickly get back the money we spent on the bridge in advance. Then, we can use it to do other business. Otherwise, if we don't have the money to do business and borrow money from the bank, we'll have to pay interest."
Zhang Xiaobao confirmed what Zhang Shuo said and then mentioned another benefit.
Wang Juan also said, "Actually, there's another method, but it's not good to use."
"What method?" Li Longji was most willing to listen to Zhang Xiaobao and Wang Juan talk about this kind of thing. He felt that it could help him understand the political economy book.
"The method is to choose a place that requires many ships. Xiao Bao and I won't have to pay a single copper coin. We'll put up a notice saying that we want to build the bridge here. We'll use our Zhang Family and Wang Family's reputations as a guarantee. We can also sign a contract with the government.
Then, we'll tell the merchants coming and going, as well as the people who want to do business in the two markets, that as long as they're willing to take out the money first, then the yearly fee will be half of what it was for others. If it's not cheap, then we won't take advantage of them and will return their money to them. "
Wang Juan explained.
"Why isn't that good?" Zhang Shuo thought about it and felt that there was nothing wrong with it. It was very fair.
Zhang Xiaobao curled his lips and said, "Of course it's not good. We're taking other people's money and not paying them back. Even if we return the money to them in the future, it's still a form of cheating them. Otherwise, if we don't have money, how much interest would we get if we borrow money?
Therefore, the imperial court added a law, and that is, this matter must be written in the contract. There can't be any loopholes. When the time comes, if the merchants who used other people's money don't meet the requirements, not only will they have to return the capital, they will also have to pay a very high interest. Otherwise, they will have to follow the contract. "
Zhang Shuo, Li Longji, and the others were shocked. They didn't think that things could be done like this. It was really too magical. If Zhang Xiaobao and Wang Juan didn't say it personally, they really wouldn't have thought that there was such a method.
Yu Wenrong's eyes lit up. He looked at Zhang Xiaobao and Wang Juan as if he was looking at two treasures. Even if the two of them had just injured his people, he didn't care. Even if his people were dealt with by Zhang Xiaobao and Wang Juan in Xin Cai County, he couldn't resent them.
Who asked Feng Changgong to clearly know about Zhang Xiaobao and Wang Juan's reputation and still be unconvinced and want to go against them? How good could it be?
Yu Wenrong looked at Zhang Xiaobao and Wang Juan and said to the Emperor, "Your Majesty, Tang Dynasty has Registrar Zhang and County Deputy Wang. Perhaps the law can be improved a lot, especially when it comes to economics."
"That's right. Xiao Bao, Cuckoo, do you have any more tricks? Let me hear it again, "Li Longji agreed with Yu Wenrong's words and asked Zhang Xiaobao and Wang Juan.
Zhang Xiaobao glanced at Wang Juan, and Wang Juan returned a look that said, "Go ahead."
Zhang Xiaobao said, "Of course, there are many tricks. There are all kinds of tricks, but they are always the same. For example, the one just now can't be considered a trick. After all, the people who were cheated didn't suffer many losses. Another method is the one that the Ning family secretly formed when Lu Zhou was still around.
Using something that was impossible to earn money as an excuse to cheat the people of their money was a real scam. If it was changed, it would be the same as the previous one. It could be like this. They wanted to build a bridge in this place and then let the people invest in it. They said that they could give the people money every month.
Then, they use the money to invest. Part of the money earned is given to the people, and the rest is kept. However, they are afraid that the investment will fail. If that happens, not only will they not be able to pay back the people's money, but the scammer might also run away. "
"Anything else? It's not considered a scam, but it can really make money, "Yu Wenrong was fascinated by the story and asked again.
"Also, when the bank is opened, there will be an approval process when lending money. For example, if someone wants to build a workshop but doesn't have the money, they can directly borrow from the bank. The bank won't lend money immediately because there's no collateral for the project. Even if they lend money, it will only be a small portion.
Even if the person who wanted to borrow money invested some money first, the bank wouldn't give him too much money. However, if he used the money invested to buy a piece of land in a good location, and then used the land and the upcoming project as a loan, he would be able to borrow more money. Because of this, the bank wouldn't lose money.
This can be considered as having two collateral. As long as the bank manages it well, it can be considered a win-win situation. There are loopholes in this area that can be exploited. Perhaps no one knows about it yet, but in the future, Cuckoo and I will need to regulate it. When the bank lends money, it won't give out all the money, but part by part.
If the person who wants to borrow money is preparing to do something, then the bank can only give them the money after they use it. Otherwise, there will be trouble. This is a very common thing, so we will regulate it in the future. "
Zhang Xiaobao explained this matter to the people who were listening attentively. Then, he talked about many loopholes in other areas. Hearing this, everyone was secretly satisfied and learned a lot. Of course, if they wanted to use it again, it was impossible because Zhang Xiaobao would keep an eye on it.
When they were about to return to Beijing, several important places around Beijing had already opened banks. The procedures were approved very quickly, and to be precise, there were no restrictions.
This made Li Longji very happy. He hoped that he could quickly occupy more territories through the economic war. However, Zhang Xiaobao and Wang Juan weren't happy at all, because they discovered that there was one department missing, which was the CBRC. If they opened a bank here, other people could also learn to open a bank. Without supervision, there would be trouble.
Therefore, after the two of them had dinner, they found Li Longji, who wanted to sleep with Wu Huifei. They also called the officials who followed them and told them about the supervision. A bank without supervision was a huge bomb, and a lot of things could happen.
Especially when it came to external lending, this must be regulated. Even if there were still loopholes, it would reduce a part of it.
Li Longji was worried because if they wanted to establish a bank supervision committee, they needed people who were very proficient in this area. Otherwise, they wouldn't know what others were doing. The person who was proficient in this area was naturally Zhang Xiaobao, but Zhang Xiaobao also invested a part of his money in the bank.
It was impossible for him to supervise himself, but if others were to supervise him, who could bypass Zhang Xiaobao?
Without supervision, there was no guarantee that the bank would really act according to the interest rate, and there was no guarantee that the bank wouldn't use other methods to extort money from the depositors. Just like being an official, you can't let all the officials in a place be local.
Of course, Sanshui County was an exception, and the place where Zhang Xiaobao and Wang Juan were located was also an exception.
Li Longji and the others were worried that other people would follow Zhang Xiaobao and Wang Juan's example and use the interest rate to compete. Then, they would use the money to do other things. They weren't afraid that they would make money, but they were afraid that they would lose money. Once something happened, the bank's credibility would be gone, and who would dare to deposit money in the bank in the future?
"Xiao Bao, can't you keep the Bank Supervision and Administration Committee locked up while you're running the bank?" Li Longji was still very confident in Zhang Xiaobao, and felt that he wouldn't use his authority to gain benefits for himself.
Zhang Xiaobao shook his head seriously and replied, "No, definitely not. This has nothing to do with my character, but it has to be done this way. If I don't do this, I won't be able to regulate it. No one can guarantee that they won't be tempted by so many opportunities. First, we have to eliminate this aspect from the root.
For example, in my family, when it comes to taking and using money, there needs to be two people. One is responsible for managing the money, but can't use the money. The other is responsible for using the money, but can't manage the money. The two of them supervise each other, and if it's a large amount of money, it needs to be further approved by the higher-ups.
Using this to prevent one person from managing the money and accounts is tempting others to make mistakes. Once a mistake is made, it will be my family's responsibility, not the person in charge of the money. "
"Then what should we do? Who can supervise it? How should we regulate it? "Li Longji was worried.
"I can help to train some people. Right now, Cuckoo and I are running the bank. For a certain period of time, we won't play any tricks. This is something that I can guarantee. We will be in charge of managing the bank for the time being, but we can't let other people open a bank right away.
After I've trained them, I'll make sure that they can deal with loopholes and not make too big of a mistake. Then, I'll allow other people to open a bank. Those who open a bank privately will be banned. "
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