It was already late, and the lights were lit in Yanhe Hall, as bright as daylight.

He ordered the seat to be given, and Cheng Lin was asked to sit down. Zhao Zhen said, "It's dark in the night. I didn't want to bother the bachelor's. But the matter of the Beijing Bank we talked about today is of great importance. If I don't ask clearly, I really can't sleep. I'm not wearing a robe and lace in the middle of the night, so don't blame the bachelor."

Cheng Lin hurriedly said, "I dare not, and I held the scepter and thanked me."

Behind Cheng Lin, Zhang Weiji, who represented the imperial palace in charge of the capital bank, was standing. He was an eunuch, and there was no seat in front of the emperor. At the level of Hanlin Bachelor, the emperor summoned him with etiquette. Although casual clothes can be worn in the open hall, the robes and belts must be neatly tied. Zhao Zhen was preparing to rest, but he couldn't sleep before summoning Cheng Lin. He didn't have the robes and belts to apologize to Cheng Lin.

After giving the tea soup, Zhao Zhencai said to Cheng Lin: "During the daytime, in Chongzheng Hall, the bachelor's statement that the Beijing Bank has no money to lend to the outside world now, while the Xijing Bank has plenty of cash. The two banks are open together, and the capital is the same, but it has only been in the past few months. How could there be such a huge difference? Is this really the case according to the regulations?"

Cheng Lin knew that she must have been asking about this matter so late, so she made preparations early.

The Beijing Bank is now the money bag of the inner government, and it makes money for the emperor. If there is a problem with profitability, the first thing that is urgent is Zhao Zhen. In fact, this is second. What does the emperor use to make money for? Just for the consumption of the palace, there is no need to be so much effort. The real intention is to use this financial resources to control the government. In the past, the Sansi had no money in his hands, and took advantage of the opportunity to borrow money in the internal warehouse. The emperor took the opportunity to approve or not, or how many approves it to affect the specific government affairs. Now with the Beijing Bank, it can directly use external lending to affect government affairs, which is the real reason why Zhao Zhen couldn't sleep.

During the discussion at Chongzheng Hall, Zhao Zhen could not make a turn. After returning to the bedroom hall, the more he thought about it, the more he thought about it, the more he was wrong. Is lending to the outside world now used for official projects, or installment loans, how much to lend, can directly control these projects?

Once the government affairs of the court were settled, it was very complicated for the emperor to intervene. This was the family law of the ancestors that was set since the time of Taizu. When Taizu wanted to make a steamer in Wensiyuan, it was not completed for a long time. He asked the responsible person and asked him to ask him for various procedures. It would take many days to go through the process. Taizu was unhappy, and Zhao Pu replied that these rules were not set for him, but were used to restrict his descendants, and he could not do whatever he wanted. The core of governance set by Taizu during Taizu was "prevent things and control them in slander". There was a system in everything, and those who were responsible should restrain each other. This rule also included limiting the emperor's power.

During the two dynasties of Emperor Taizong, the scale of the internal warehouses became larger and larger. It was not that the emperor needed more money, but that the system became more and more strict. The emperor needed a means to bypass the system and directly manipulate the government. By establishing the capital bank, Xu Ping handed this method to Zhao Zhen. He didn't know how to use it himself, so who would blame him?

Originally, Zhao Zhen wanted to ask Xu Ping, but after thinking about it, he summoned Cheng Lin. It was not that he could not trust Xu Ping, but that his identity was limited. Xu Ping was in charge of the three departments, and he was in charge of the money and food of the foreign government. Even if it was unintentional, he would accidentally let Zhao Zhen take a scrutiny. The Hanlin Bachelor was nominally an internal minister, and the emperor had consultants, and he had no interest. Cheng Lin was a rare financial manager. He had been in charge of the three departments for many years, and now he was in charge of the money supervision. There should be nothing he didn't understand.

Seeing Zhao Zhen looking at him with a gaze, Cheng Lin took out a booklet from her sleeve and presented it to Zhao Zhen with both hands: "Your Majesty, this is a rule set when setting up a bank. Your Majesty personally decided. I respectfully request the emperor to read it."

Zhao Zhen took the booklet and put it aside: "When I have free time, I will look at it carefully. Now it's urgent, so please ask the bachelor to analyze the interests and understand them. What is the reason for this point today?"

Zhao Zhen personally agreed to this book at that time, but he was a little confused at that time. The Secretariat had agreed, and Zhao Zhen also convened people to discuss it several times, but he still couldn't understand it. The Secretariat urged him to post it every day, so how could he disagree?

Cheng Lin said: "The Bank of Jing and Bank of Xijing were established at the same time. The same capital and the same things they did. Today, they were far apart. They could only blame the people in charge and the officials in charge. It may not be that they did not care about doing things, but they were still a little confused about how to do things in the bank. The Bank of Xijing was in charge of Yang Gao, who was originally the deputy envoy of Jingxi Road Transportation. Under Xu Jianyi, he saw how the money shop was done on Jingxi Road, and he had a rules for his work. The officials in charge of Xijing Bank were all immersed in Jingxi Road for a long time and were used to this kind of thing. They knew clearly and clearly what should be done and what should not be done. On the other hand, the Bank of Beijing was not the case. Zheng Daiichi, the person in charge, was not very clear about how the bank did things. Most of the people in charge of the affairs were eunuchs from the palace, and Zheng Daiichi could not restrain him. The officials said bluntly, Your Majesty, the eunuchs were short-sighted and had a lot of harm."

Zhao Zhen couldn't help but look up at Zhang Weiji standing behind Cheng Lin, and his face was a little unhappy. Zhang Weiji was in trouble, and he couldn't restrain the eunuchs who did things. In this situation, it had little to do with him.

Cheng Lin said: "Your Majesty, I have heard about the matters of the capital bank. It has nothing to do with Chief Zhang. Chief Zhang often asks the people below to be more cautious, but those who do things often call the imperial edict, who can do it?"

Zhao Zhen pretended not to hear this, saying that there must be some imperial edicts, but many of them were really Zhao Zhen intervened and asked the eunuchs to do it. Now they can't explain it clearly. Knowing the problem, they will be more restrained in the future. Since the capital bank can use methods to influence the government, Zhao Zhen still has to intervene from time to time in the future, and now he can only pretend to be confused.

Cheng Lin had no choice but to expose this and then said: "From the eyes of the capital bank, the land has fallen to this point today. First, the people who do things are too eager to make profits and are not cautious. In the midsummer, because there is a large amount of money that cannot be borrowed and there is no interest income, and the people in the capital deposit money, and there is constant interest expenses in the account. At that time, they just wanted to borrow the money in their hands quickly so that they can collect interest. In this way, the people who borrow money from the bank will not be strictly investigated. When the audit department found that something was wrong and they had to investigate it strictly.

Afterwards, he deliberately covered up those people, which made the audit department unable to find out. Now that the money in his hands has been released, but where the money has flowed, I am afraid that the people who work in the bank are not sure. Why does the money manager want to collect the scale of money from the capital bank? Because it can be seen from the account that some companies that borrow money from there borrow new money to repay interest, which is extremely risky. The risk of banks lending to the outside world is great, and according to regulations, the money manager will shrink the amount of money he has released."

Zhao Zhen could only sigh in his heart. The damn rules were only thought of Xu Ping telling him a few times, and the decision was very strict. Once the bank did not follow the rules, it would be severely punished. How could he think that the severe punishment was his own money. If he knew that there would be today, he would never have made things so serious. To be reasonable, new things would always be learned.

Cheng Lin said again: "The second thing that the Beijing Bank did wrong is that several months have passed, and the people who work below are still not familiar with the rules. This is no wonder, how can you be unfamiliar with the rules in this business? In Sansi, officials of Sansi Bank will learn the rules every few days, and the standards they learn are set in a very detailed manner. In the same few months, Sansi Bank will lend money to the yamen. It is more likely that something will happen, but they are in good condition."

Zhao Zhen was silent for a while before saying, "It's time to come, and it's useless to say more. Only when this matter is over, can we transfer some people from the Sansi Bank to prevent the Jingshi Bank from being so confused. Bachelor, the current plan is to make Jingshi Bank lose the opportunity to pay for the projects they are doing. How should I do it? Is there an emergency solution?"

Cheng Lin hesitated for a moment and said, "It's not just that there is no way, but the officials who do things need some means."

Zhao Zhen looked at Zhang Weiji again and said to Cheng Lin: "Bachelor just say that there will always be someone going to do things."

"I have learned about the loans issued by the Beijing Bank to the outside world. People who do things make mistakes, but one thing is that they do it right, that is, most of the loans are short-term loans, which will last only six months. As long as you immediately cut off the loans to companies of unknown origin and quickly collect the money, you can still raise the money to lend to the project. Later, as long as you don't lend to these people, you can slowly take back the people who gave the money and raise the money to the project. However, in this way, the Beijing Bank will have to live a hard life. The risk of previous chaotic things must be paid to be slowly digested."

Zhao Zhen thought about it and nodded: "If it were just like this, it wouldn't be difficult to do it."

Cheng Lin shook her head slightly: "It's not difficult to do it when I think about it, but a lot of the money released by the Beijing Bank has the risk of not being able to be collected. If not, why would the Money Supervisor collect their loan amount? What I am afraid of is that a large amount of loans issued cannot be collected, causing turmoil in the capital."

There is another point Cheng Lin didn't say that according to the vague flow of loans from the capital bank that everyone has come to the hands of princes, nobles and relatives and imperial guards. These people are not active, but they are afraid of a storm.

Zhao Zhen could not have let the card that controls the government affairs be ruined, and said to Zhang Weiji: "What Mr. Cheng said just now makes sense, have you heard it clearly?"

Zhang Weiji bowed: "Everyone who is young can hear clearly."

"Okay, after you go back, start preparing immediately and do what Mr. Cheng said. If anyone of you dares to disobey, you will know and you will be punished. You have to borrow money from the outside before, and you will be able to make money as well as collect money, so don't cause trouble!"

Zhang Weiji Yingnui was a little worried. He could still make money and profits, but it seemed a bit difficult not to cause trouble.
Chapter completed!