However, in Daheng, it is not that easy to circulate wealth.
The circulation of wealth that the emperor wants is very relative.
That is... the people have surplus wealth, and most of these wealth can be stored and circulated in a small amount.
The wealth of the gentry and businessmen who control most of the wealth is the main body that the emperor hopes for the circulation of wealth.
When every household has surplus wealth, the people of the world's risk resistance will inevitably be greatly improved.
Even if the natural disasters continue, as long as the court regulates the market price, the people with surplus wealth will never be like Daheng now. If we count the years before and tomorrow, in more than ten years, a large part of a country's fiscal revenue will be thrown into the bottomless pit of disaster relief.
And these money and grains should have many other uses.
It can even be said that if there were no such continuous natural disasters, even if the people under the disaster were not as troubled as the people, the grasslands and the northwest would have probably been pacified.
The lack of resistance to disasters and the continuous extension of this natural disaster puts a thick shackle on Daheng, limiting Daheng's progress.
The true meaning of wealth circulation is the circulating of the gentry and businessman who control most of the wealth.
The idea is beautiful, but the reality is undoubtedly very skinny.
In the general environment of the times, most people in this world who hold wealth tend to store wealth and pass it on to his family.
Even the people at the bottom have more money, they are more inclined to buy and farm.
It is completely a social environment where hamsters accumulate wealth.
Even though Daheng now has extremely strict regulatory policies on land, the main wealth of society is still more inclined to be stored rather than circulation.
Nowadays, the main body of wealth circulation is still a new force, that is, the main body of commercial circulation represented by martial honors. The traditional landlords and gentry who hold a considerable part of the world's wealth are still self-confidence, guarding the wealth, wanting to lie at home to exploit the people and collect rent.
It can be said that the word "rent collection" has become a habit that has been immersed in the bones of most Han people.
But now, the habit of collecting rent has obviously not developed to the point where it is later in life. Nowadays, the main body of collecting rent is land mergers and land mergers, so that the people have no land to plant and no food to eat, and they can only be tenants and squeezed.
This is obviously inconsistent with Daheng’s policies today.
However, many times, there are policies from the top and countermeasures from the bottom. In recent years, most of the officials who have been brought down by Daheng have been because of this.
In order to change this inertia, the emperor also put forward many strategies.
For example, land reform, agricultural tax is imposed on land acres, land annexation is restricted, and commercial support is implemented, and rent collection is attempted to change.
For example, in the mid-8th year of Zhaowu, after the circulation of paper money was launched, an order was issued to reform the storage and lending policies of Daheng Money House.
In this era, although the functions of money houses are quite the same as those of later banks, in some aspects, there are no future generations and are vastly different.
The reason why the money shops in this era appeared was only because of the bulkiness of metal currency such as gold, silver and copper in trade transactions.
That is why there is a money house that is locally deposited, withdrawn from other places, or deposited from other places, and withdrawn from other places, which is similar to innovation.
Therefore, the role of the money house is to help merchants keep their currency and save them from worries.
After all, if you take a large number of gold bank dealers and are stolen on the road, it will be a complete loss for you.
Letting the money house replace storage, no matter how much it is lost, it is still the money house’s business.
In this way, the function of the money bank is obviously to help with storage, so the money bank always charges storage fees.
Instead of saving money and interest in later generations.
Another function of a money house is naturally loan, but in this era, it is called lending.
If a certain business bank lacks money, he can take out the goods or industries that can be mortgaged and borrowed money from the money house. The money house will charge interest on the money borrowed by the business bank.
In the late Ming Dynasty, and in the past few years before the founding of Daheng Kingdom, wars continued and the world was in chaos. The court's finances were overwhelmed. He borrowed money from Daheng Money House many times to overcome difficulties.
In this regard, the functions of the money bank and the bank in later generations are obviously similar.
But it is undeniable that the function of lending is still good, but the storage characteristics are doomed to be that the group of money houses is limited to a fixed group.
That is, a merchant who needs trade in other places!
After all, if there is no need, no one will be willing to put the money they have saved up to be consumed in the money shop. After all, the storage fee is not a small amount.
It is obvious that the function of custody and storage is, in some ways, detrimental to the circulation of wealth.
This has become more serious after the promotion and circulation of paper money. With the implementation of paper money, storage and storage, this function is obviously no longer able to keep up with the times.
After all, the fundamental reason for the emergence of money shops is gold, silver and copper metal currency. It is inconvenient for trade and transactions, so money shops and silver notes appear.
Nowadays, paper money is prevalent, and this fundamental problem is no longer a problem.
A stack of paper money can be carried in your arms. Moreover, with the smooth transformation of the official roads in recent years, Daheng has also taken advantage of the opportunity to transform the road to clean up the bandits in various places.
The roads are smooth, the banknotes are light, and the bandits are less...
These three points almost completely eliminate the custody function of the money house.
Therefore, in the mid-8th year of Zhaowu, the emperor issued an order to order the money shop to reform the functions of lending and storage.
Immediately, at the end of the eighth year of Zhaowu, the new loan and storage strategy presented on the bank was reviewed by the court and approved by the emperor, and was officially piloted in the capital.
There are two main points in the new storage strategy.
First, the storage fee was cancelled, and second, the opening of lending and lending was relaxed a little again.
The reason why the storage fee is just cancelled, rather than increasing storage interest as in later generations is naturally limited by the times.
After all, banks in later generations were able to give all depositors a certain amount of interest because the group of banks lending was too widespread.
The more money a bank deposits, the more money the bank can lend. The money earned by lending is really trivial compared to the interest paid to depositors.
Nowadays, the groups that Daheng Money House lend money are undoubtedly extremely limited.
It is mainly a small number of business banks, and the business environment is still in its infancy, so the lending group is naturally restricted by the general environment of the times.
In this way, the source of income of the money bank and the source of income of later banks can also be said to be the difference between heaven and earth.
Today's money houses have two functions.
Storage, loan and lending.
Abolishing the policy of storage and storage is equivalent to abolishing the largest source of income for the money bank.
The remaining lending and lending functions were extremely limited before the times developed. Even if the imperial court tentatively opened up the opening of lending and lending this time, the groups that could be increased were extremely limited, and the income of the money house was even more limited.
Even if the increase in storage interest can bring more deposits to the bank, although the significance of this deposit is not small, but due to the general environment of the times, the significance is ultimately difficult to exert.
After all, even the emperor, the later generations, cannot understand the financial situation, and only knows one general direction, let alone officials of this era.
Therefore, the cancellation of storage fees now is a tentative maintenance of small steps and slow steps, and even expanding the depositor group.
A little relaxation of the opening of lending and lending is also a tentative use of money bank deposits by taking small steps.
All development must be carried out in accordance with the times, and the same is true for money shops. Nothing can be accomplished overnight.
The development of the world not only requires the emperor to understand, but also requires all officials in the world to understand the changes of the times and adapt to the development of the times.
The development of a money house also requires the main order of the money house, and they all understand the changes of the times and adapt to the development of the times.
Chapter completed!