Chapter 164 Amazing! (Coming!)

"Arrogant! What are you talking about! Why don't you quickly apologize to your seniors!"

Zeng Gongliang stood up and roared angrily, but there was warning in his eyes, and then he quickly bowed to Zhao Zhen and said: "Guan family, this kid is arrogant and does not know it. I think he is not suitable to be a banquet official, and I also ask the official family to remove him."

His position as the official of the banquet will prevent him from tarnishing the name of the banquet!"

Zeng Gongliang was the first to attack, but others could not say anything.

Zhao Zhen looked relaxed, waved his hands and said: "What kind of arrogance is this? This is clearly the style of the Wei and Jin Dynasties, and I have seen this bank, and I really don't understand it. It is appropriate to say that it is a Mengtong level.

All of you here are knowledgeable people, and naturally you understand that honesty is the criterion for a person's life. If you don't understand, then you have to admit it. If you don't understand, pretend to understand. If others evaluate you according to your actual level, you will be furious.

Angry, this is not the attitude of learning, everyone agrees, right?"

Ding Du and Song Xiang looked at each other and saw the unwillingness in each other's eyes, but Zhao Zhen had already set the tone for the matter and they couldn't say much.

More importantly, they have also read the banking law themselves, and there are indeed many things they don't understand. If they really don't understand and pretend to understand, they will make a big fool of themselves. The only way is to keep their mouths shut and seriously look for opportunities to attack.

valid reason.

Seeing that no one had any objections, Zhang Heng continued.

"...The banking law that Xiaguan talks about today is certainly not a brand-new knowledge. In fact, the ancient sages also said it in a few words, just like the word "economics" did not come from Xianguan's mouth.

Banks have expanded based on the bank model, but they are different from banks. The role of banks far exceeds that of banks. It can even be said that banks are even comparable to Sansi..."

Zhang Heng listed the functions and benefits of banks one by one, with a lot of economic principles mixed in. He was afraid that others would not understand, so he also added a lot of cases, all of which were taken from the current era.

In order to let everyone understand the benefits of banks, Zhang Heng will also use economic principles to continuously demonstrate the situations that may arise after the bank is established and evolve them one by one.

It was obviously a new thing, but Zhang Heng's speech made the monarchs and ministers present feel as if they had actually seen reality.

This lecture lasted a whole day, with several breaks during which time everyone went to the huts and had meals.

Everyone listened with fascination, not only Zhao Zhen, Zeng Gongliang, Wang Gongchen and others, but also Ding Du and Song Xiang. They even forgot that they actually wanted to find trouble, but Zhang

After Heng explained the contents of the bank in depth, they were brought into the rhythm.

As Zhang Heng said, this is a mysterious knowledge, and knowledge itself is very interesting. Zhang Heng not only talks about principles, but also talks about cases to assist understanding. This is like opening up a new way of understanding the world for everyone here.

door.

We all study Confucianism. Confucianism talks about ethics, interpersonal relationships, and politics, but it doesn’t talk much about how to understand the real world. Economics is an important door and window to understand the real world. This is their first time.

See such a real world.

In Zhang Heng's explanation, the discussion about the dispute between justice and interests in Confucianism is actually unnecessary, because as soon as a person is born, he is part of economics.

Economics is needed to feed a family, economics is needed to govern a state or county, and economics is needed to govern a country.

In Zhang Heng’s explanation, economics is everywhere, and banks are an indispensable part between individuals and the country.

If agriculture wants to develop, it needs banks. If industry wants to develop, it still needs banks. If the country wants to become rich, it still needs banks.

And this knowledge is different from the knowledge they have learned about governing the country in the past. In the past, when they learned to govern the country, they believed that the king's teachings and ethics were the most important.

Of course, it is also extremely important. It involves recognition and confidence in the country. Without these things, a country has no basis for its existence.

However, they did not discover how much a country's operation depends on the economy!

Zhang Heng used economics to carefully analyze the operating logic of the entire country. He used economics to analyze why a country's operating logic is what it is today, why officials are corrupt, why taxation is what it is today, why farmers are impoverished, and why production is so poor.

What is the relationship between exports and taxes...

These things were explained one by one, and everyone present suddenly became enlightened. In the past, they felt that something was wrong, but they didn't know where the problem was. Most of them suddenly became enlightened, and they found that there are many things that can be applied to what Zhang Heng said.

Economic principles to explain!

The people here are one of the most elite people in the Song Dynasty. They hold high positions and are involved in state affairs. They encounter countless problems every day. Most of them deal with them based on experience, but sometimes they don't.

Know why it is done this way.

Zhang Heng revealed to them why everyone handled it the way they did, but it was possible that Zhang Heng would come up with a better solution.

Of course, Zhang Heng is also a bit of a thief. Although he talked happily, he always kept in mind his mission today. His mission was to convince most people to support the establishment of a bank. So after talking about the problems everyone encountered,

The reason why it is not easy to solve is that ultimately it is because there is no central bank.

For example, if a certain area is hit by a disaster and the court has little money to assist, it will push the disaster-stricken refugees to the local landlords. The landlords will take the opportunity to lend usury and seize the victims' land. In this way, when the disaster occurs,

After that, countless refugees will appear out of thin air, and these refugees will soon become thieves and anti-citizens.

However, if a bank lends money at low interest rates to help the victims return to farming, then when the disaster is over, the victims will become farmers again and can still live and work in peace and contentment.

Another example is that a place is very poor. There is no land for farming, so the place is impoverished. In the end, the place is very turbulent. Outsiders say that the poor mountains and rivers breed unruly people, but the local people have little capital, agriculture is not good, and industry is not good.

Business has no capital.

At this time, if banks provide support, provide commercial loans to people who are interested in doing business, and guide them to do business, then the local situation can be solved.

For another example, business in the Song Dynasty is very prosperous today, but there is still a lot of room for development. However, due to insufficient funds, development is still quite slow.

At this time, if there is strong support from banks, then the development speed of business will be ten times that of today. If business develops, then the commercial tax of the Song Dynasty will also develop proportionally, and the court's shortage of money will be greatly alleviated.

Moreover, the Song Dynasty often encountered money shortages. This was because a large amount of money was hidden by wealthy households. This was because there was no way to make money with money nowadays, so they could only bury it in case of emergencies.

need.

But if there is a bank as a deposit, saving in it is not only safe, but also profitable. Most people will deposit copper coins in the bank, then the bank can lend the money out, and there will be enough coins on the market, and business will develop.

It will be very fast...

Everyone was fascinated by what they heard. Even the eunuch who presided over the sutra feast, the little yellow gate attendant on one side, and the guards nearby all looked like they had learned a lot!

When the lecture ended in the afternoon, Zhang Heng also set aside time for everyone to ask questions, but no one could ask any questions.

Especially Song Xiang and Ding Du, the two people who were trying to find problems to make things difficult, were as if they were waking up from a dream. They wanted to ask a question, but in front of the huge amount of knowledge, they were already speechless and didn't know where to start.

Asked.

In fact, they also knew in their hearts that even if they found a problem, Zhang Heng would definitely answer it.

At this time, they finally understood why Zhang Heng said that in the face of this new subject, everyone's level was that of a child. Although Zhang Heng spoke arrogantly, this seemed to be the truth.

Zhao Zhen was amazed.

Since taking office in recent years, the Song Dynasty has been in decline. The court has realized that it has come to a time when it has to change, so it launched the Qingli New Deal, but it soon ended in failure.

Many ministers continued to write letters describing the difficulties encountered by the court. Before this, Zhao Zhen admired the suggestions of Fan Zhongyan and others.

But after listening to Zhang Heng's explanation today, he suddenly realized.

Compared with the knowledge displayed by Zhang Heng, the reform suggestions put forward by Fan Zhongyan and others seemed to be very naive.

The economic principles proposed by Zhang Heng seem to be the rules for how the world operates!

The knowledge that Zhang Heng gained at today's banquet opened a new door for the monarchs and ministers of the Song Dynasty. However, there was still no way to determine the preparation of the bank for a while because the amount of information was too large, and the monarchs and ministers had to digest it carefully.

Fan.

Zhao Zhen announced on the spot that the feast would be extended for half a month.

Jia Changchao and others did not object. Although the time for the feast was not conventional, the duration did not exceed the convention.

In the past, the sutra feast was divided into two periods, from February to the Dragon Boat Festival and from August to the Winter Solstice. Each time lasted nearly two or three months. This time, it was only half a month, which was not too long.

However, there are usually more than a dozen economic officials who give lectures alternately. This time, only Zhang Heng can give lectures for half a month. There is no way, only Zhang Heng can lecture on economics.

Zhang Heng did not despise the hard work, nor was he frustrated because the matters arranged by the bank were not confirmed immediately.

Establishing a bank is a national policy, and it is understandable that such a national policy should be established even if it lasts for several years.

As for economics, Zhang Heng was very happy with it. In his eyes, the people in the Song Dynasty paid too little attention to the economy, so they made blind changes and only made more money.

When it comes to taxes and spending money, I don't know how to be careful.

As the saying goes, if you don't have enough to eat and drink, you won't be poor all your life.

This was the case for the monarchs and ministers of the Song Dynasty. They only used one trick to raise taxes and increase taxes, but spent money in a daze. It would be a punishment from God to not be poor in this way.

Zhang Heng hoped that through this economic feast, he could instill more economic thinking into the monarchs and ministers of the Song Dynasty, which would probably be of some benefit to the country and the people at the bottom.

As for the hard work of giving lectures at Jingyan, there is probably nothing to complain about.

So in the next half month, Zhang Heng lectured at Chongzheng Hall every day, and more and more people attended the lectures. Many officials from the three provinces, officials from the Privy Council, and Kong Muguan from the Third Division were also specially summoned.

Listen to the lecture.

According to Zhao Zhen, it’s to open everyone’s eyes.

Seeing this, Zhang Heng taught it as a systematic economics course.

The first lecture focused on banking and mixed in some economic principles. Mainly because it was focused and there was not much time, so I could only do it that way.

But this time it lasted for half a month, and the people who came to listen to the class were people who really did things in the Song Dynasty.

Even though some of the people attending the lectures are subordinates, these are the people who really do the work.

If they can understand these things, then once their thinking about doing things can be slightly changed, it will be different!

Of course, Zhang Heng did not teach economics in a dry manner, but based on the focus of court governance.

Zhang Heng served as a magistrate, presided over the reform of warehouse and treasury affairs, and served as magistrate of the state in Quanzhou. Now he holds an important position in the Third Division, and is still a magistrate. It can be said that he has considerable experience in handling government affairs.
To be continued...