Chapter 151 Rule the world together! (The second update is coming!)

Before Zhang Heng could explain, Wang Gongchen immediately rejected Zhang Heng's proposal: "According to your statement, this is not feasible. If you open this bank, you will lose a lot of money.

With such a good thing, who wouldn't want to save money? The more savings you absorb, the higher the interest you have to pay every year. This is equivalent to the court borrowing money from the people and having to pay back the interest.

In this way, you will be rich for a while, but the annual interest will be unbearable. Not only will there be no way to solve the problem of the court's lack of money, but it may also become more and more owed and you will not be able to pay it back by then. This method is not feasible!"

Wang Gongchen's mind was relatively clear, and he quickly discovered the loopholes in it.

Zhang Heng said with a smile: "What Wang Xiang said is right, but this bank is not that simple. Taking in deposits is just the basis, and banks can also make money.

Business in the Song Dynasty was very developed, but today's world is not good. There is quite a lot of turmoil everywhere. Merchants do business everywhere, and their money cannot circulate freely. Every time they go out, they always have to carry a large amount of money with them.

Troublesome and dangerous.

If there is a national bank to help them solve this problem, it will be very convenient for them to do business, which will greatly promote the business of the Song Dynasty. This kind of basic service, although it seems to have no profit

, but it will actually be reported on commercial taxes.

In addition, the bank's absorption of deposits will prompt private copper coins to be unearthed and re-enter circulation channels, and the money shortage problem of the Song Dynasty can be completely solved.

Mr. Wang, you should be aware of the problem of money shortage. The copper coins of the Song Dynasty are extremely popular in surrounding countries. Now that sea trade has opened, the loss of copper coins has also accelerated. The Song Dynasty often suffered from money shortages. Once the banks opened

Once you get up, the money shortage problem will be solved.

The most important thing is that banks can lend money. Business in the Song Dynasty is getting more and more prosperous, but businessmen lack start-up capital. Once the bank is opened, it can lend a large amount of money, and the interest can be covered.

In addition, banks also have income from lending, handling fees, etc. You have money in hand, but are you worried about not making a profit?..."

Zhang Heng listed the bank's benefits one by one. Wang Gongchen fell into deep thought after listening to it. After a while, he still shook his head and said: "The risk is too great, this method is not feasible."

Zhang Heng wanted to continue, but Wang Gongchen waved his hand to stop him: "Judge Zhang has done a good job in solving the problem of lack of money at the end of the year. I will ask you for credit. After the new year, taxes from various places will be escorted to Beijing.

, then your life in the branch will be much easier, and you won’t have to worry about doing these things."

Wang Gongchen thought for a while and said: "...Your idea is probably good, but you have a great future. If you do the things at hand well, no one can stop you from being promoted to an official. But this kind of unhappiness

You know what is good and what is bad, but try not to touch it. If you do it well, it will be fine. If you don't do it well, your future will be lost. Didn't your father-in-law tell you this?"

Zhang Heng suddenly felt helpless, but he understood Wang Gongchen's good intentions. If he hadn't been friends with Zeng Gongliang, he would not have said such words to him. These words were indeed beyond the scope of what superiors and subordinates should say.

Zhang Heng gritted his teeth and said: "Mr. Wang, regarding the establishment of a bank, I have already promised to your Majesty. Before I took up the post of Duzhi Judge, Your Majesty told me to find a way to make money for the imperial court.

so……"

Wang Gongchen sneered: "A country's financial plan, taxes and labor are enough, we can't always think about doing business and competing for profits for the people... Forget it, there is nothing to say about this.

Officials always think about increasing revenue, but they never think about reducing expenditures. The imperial court is too unrestrained in spending everywhere, including various annual festivals, worshiping the ancestors of heaven and earth, New Year's Eve, New Year's Eve, Mid-Autumn Festival, etc.

Every time there is a big event, and the various water and land dojos never stop.

Spending money like water is like running water. Even if you have gold and silver, you can't afford to spend it. If you want to change the current situation, can you just open up financial resources?

Let’s put it this way, today’s imperial court is like a bamboo basket. Although there is a lot of wealth in the world, if you use a bamboo basket to make money, you won’t be able to save any money. It’s useless!”

Zhang Heng was silent for a moment.

Wang Gongchen is absolutely right. For such a court that spends money excessively, can it be saved by opening up a few more financial sources?

Zhang Heng suddenly remembered something, but it was difficult to ask, and his face suddenly became constipated.

Wang Gongchen saw Zhang Heng's look and immediately understood: "You are thinking, since I think cutting expenditure is the key, why are Fan Xiwen and others reforming the law, and why do I keep impeaching them?"

Zhang Heng waved his hands repeatedly: "Mr. Wang, please don't think too much..."

Wang Gongchen chuckled: "Okay, you, as a reformer, you must have a lot of complaints against me, right?"

He sighed and said: "I'm not targeting Fan Xiwen and the others. I'm dealing with the situation but not the person. Ouyang Xiu is still my brother-in-law. I won't harm them, but because they don't know how to change. If change is such a trivial matter, then

The government would not be where it is today!

Fan Xiwen, you are too ambitious, you want to become a big fat man after one bite...Forget it, there is nothing to say about this matter, but you should know that the officials urged Fan Xiwen to do the change, but what happened next, you

It's time to see it.

If you do a good job, that's it. If you do a bad job, you should watch and see Fan Xiwen and my brother-in-law to see when they can return to the court again!"

Zhang Heng looked at Wang Gongchen in great surprise. This person's reputation was not very good. When the Qingli party dispute intensified, Wang Gongchen, who was still the censor Zhongcheng at the time, continued to introduce new impeachment policies, especially on the issue of Teng Zongliang's handling. Wang Gongchen

Gongchen thought that the punishment for stopping an official from being demoted was too light and it was better to impose heavy responsibilities.

The imperial court refused to listen at first, so Wang Gongchen used the idea of ​​self-deprecation as a means of coercion, so that he and Teng Zijing were relegated to Baling County. Zhao Zhen was disgusted with Wang Gongchen's attitude, and immediately summoned Wang Gongchen into the palace to criticize him face to face.

Said: "If you are a public official, you should take it upon yourself to hold the position. Don't take it as a disgrace that the court cannot listen, and just leave it lightly to gain fame."

Zhao Zhen said that Wang Gongchen was just fishing for fame, which was a very serious statement. Later, he was moved from Yushi Zhongcheng to Third Secretary. Of course, this seemed like an ordinary transfer, but it may not have moved Wang Gongchen to another place.

location ideas.

Wang Gongchen's reputation is therefore average, but now it sounds like Wang Gongchen does have his own ideas about the New Deal, and he also has a very clear vision of Fan Zhongyan and Ouyang Xiu's future destiny.

——The key is that his views on Zhao Zhen are also very pertinent.

Zhang Heng actually agrees with Wang Gongchen's views.

Zhao Zhen is actually just a Shouchengjun, and he is also the kind of Shouchengjun who can't quite keep it.

Xixia was originally part of the Song Dynasty, but in Zhao Zhen's three battles with Xixia, the Battle of Sanchuankou, the Battle of Haoshuichuan, and the Battle of Dingchuanzhai, the Northern Song Dynasty suffered miserably and lost troops and generals, so they had to give up the war against Xixia.

To control and allow it to truly establish a country, it can be said that Xixia, the horse breeding land in the northwest, was officially lost during the Zhao Zhen period.

Then it is very strange that such a monarch who lost the northwest has always been called a benevolent monarch through the ages. It seems that losing a large area of ​​​​land is not a particularly important matter. This matter made Zhang Heng very puzzled.

Moreover, Zhao Zhen was also at both ends of the spectrum when it came to reform matters.

At the beginning, Zhao Zhen urged Fan Zhongyan, Han Qi and others to make policy changes quickly, but as soon as the villain came out and said that Fan Zhongyan and others were colluding with cronies, he immediately kept it secret and allowed Fan Zhongyan to go to the northwest on his own. Han Qi and others also sent them away.

After that, even Du Yan had to be driven out, and even the dead Shi Jie had to open the coffin to verify his identity!

Zhang Heng fell into silence.

Wang Gongchen patted Zhang Heng on the shoulder and said with a smile: "These things are not easy for you to accept, but you have to remember that the monarch's ideas and statements cannot be trusted. We are officials of the Song Dynasty.

The officials who rule the world together with the Zhao family are not the dogs of the Zhao family. They should see clearly the twists and turns before making a decision. Don't be foolish, loyal or filial. It is true to be loyal to the family and the country, but you must also be good at finding a career. Do you understand?

?”

Zhang Heng was shocked when he heard Wang Gongchen's words.

Good guy, can such remarks be made casually?

For the first time, Zhang Heng felt what it was like for the Song Dynasty emperor and scholar-bureaucrats to rule the world together.

However, Zhang Heng could not convince Wang Gongchen, and Wang Gongchen could not convince Zhang Heng.

Although the two of them did not break up on bad terms, neither could convince the other.

Zhang Heng returned to his mansion, but he didn't want to back down.

Zhang Heng has always been like this, there is no reason to give up halfway when he decides to do something.

Wang Gongchen has his own reasons, and Zhang Heng also has his own reasons.

But Wang Gongchen disagreed, which really caused Zhang Heng a lot of trouble.

After all, Wang Gongchen was the third envoy, and Wang Gongchen disagreed. It would not be that simple for Zhang Heng to bypass him.

The three ministers, also known as Ji Xiang, are the senior officials who have truly stepped into the position of prime minister. The so-called second government and three ministers, one is the political hall, the second is the privy council, and the third is the third department. The political hall is in charge of government, the privy council is in charge of the military, and the third department is in charge.

Money, involving major court matters, requires the coordination of the second government and the three departments before it can be passed.

Zhang Heng wants to set up a bank. If he can't even get through the Third Division and there is no way to discuss it at the court level, then the bank's plan will basically be blocked!

Zhang Heng did not give up easily, and continued to visit the house the next day with good tea leaves.

When Wang Gongchen saw Zhang Heng bringing tea, he didn't think much about it, but after sitting down and not saying a few words, Zhang Heng talked about the bank again. Wang Gongchen said at a loss of whether to laugh or cry: "It's in vain that you still don't give up.

I've told you so much."

Zhang Heng grinned and continued to peddle the benefits of opening a bank, but Wang Gongchen was unwilling to listen and kicked him out directly.

Zhang Heng smiled and didn't care, and continued to visit on the third day.
Chapter completed!