Zhao Zhen always felt that he was not satisfied with the desire, so he had to bring tea and said to Xu Ping: "Take tea instead of wine, please drink a cup with me. The imperial court has you in charge of money and food, which is a great blessing for the country!"

Xu Ping thanked him and accompanied Zhao Zhen to take a sip of tea.

Putting down the vegetable bowl, Zhao Zhen squinted his eyes and thought for a while before saying to Xu Ping: "What is the reason for you to open a bank with Sansi before? Why can't you open a warehouse by yourself?"

"Your Majesty, I have something to say. If there is any inappropriateness, I will forgive you for your disrespectful crime."

Zhao Zhen waved his hand and said, "Say, just say it if you have something. I summon you here to say it if you have something! Don't worry, the ancestors here are where the gods and emperors are here, and Taizu's will be willing to be willing to be gentlemen. No matter what they say, I will blame you if I can't blame you!"

Xu Ping held the scepter and said, "Then I will say it straight. If the bank was to let the internal warehouse be opened by itself and the three departments did not participate, what would Your Majesty think the ministers of the outer court would say? Although I just said clearly that the bank is a great thing that benefits the country and the people, but if you use small capital to make a lot of money from the people, even if the three departments themselves open the bank, the court officials would probably do it."

Zhao Zhen nodded: "Okay, I understand. But is there any way to adapt? The old system of ancestors, the accounts of the inner treasury can only be known by me alone, and cannot be spread out."

Xu Ping smiled and said, "What's the difficulty? Whether it's a company or a bank, the accounts are made by special people. The first thing these people need to do is to keep their mouths tight and never disclose the accounts they have made, otherwise they will take away their jobs for a lifetime. Only the Sansi envoy and His Majesty know how much interest they earn in a year, and outsiders can't tell them even if they ask!"

Seeing that Zhao Zhen was a little disbelief, Xu Ping said again: "Your Majesty, those who do business are most afraid of letting people reveal their business institutions. Many things in the world are worthless if they break a layer of window paper. This is called commercial secrets. The court specially taught such a group of accountants to come out, so that they can't even do this. Then don't make this money. Moreover, banks are different from companies, even those who do accountants can't actually calculate how much money they make."

Xu Ping was so angry that Zhao Zhen still didn't believe it. He could only choose the least of the two evils and reluctantly agreed. The inner warehouse was his own private money. Zhao Zhen could not believe the ethics of the ministers in the court, let alone a group of accountants.

However, Xu Ping said it is indeed good. It would be fine to directly allocate taxes. The bank has too much impact on the economy, so it is impossible to let the internal warehouse operate alone. Ministers of the foreign court can trust the emperor, but they absolutely cannot trust the ministers who are in charge. Whoever goes up to die for the position, unless Zhao Zhen completely controls the entire foreign court. With that ability and confidence, what else Zhao Zhen wants to do to the ministers? Learn from the Taoist emperor in history, how much happiness is good. What is valuable about Zhao Zhen is that he has self-knowledge and can control himself at critical moments and will not act randomly.

But after thinking about it, Zhao Zhen was still a little unwilling to accept it and said to Xu Ping: "You said you wanted to build three banks. Not to mention the one that specializes in lending to the yamen, it is not the same as the other two. Let's talk about the other two. What is the way to open the other two? You are the provincial governor of the Three Divisions and the provincial governor of the world. You can do the three divisions. I have the final say in the warehouse. If you have free time today, I might as well talk in detail. Once you say it, I will have a clear idea in my heart, right?"

Xu Ping was stunned for a moment before holding the scepter and said respectfully: "I will follow the sages!"

Zhao Zhen now looks like a rich man in the country who loves money like his life, and he is all focused on money. But if you think about it carefully, Xu Ping can understand it. Many relationships in the court, such as the outer court and the inner court, civil officials and military generals, relatives and royal families, all need to be balanced with the money from the inner warehouse. Zhao Zhen is not so relaxed and satisfied with the emperor's seat.

When Taizu was a member of the stake warehouse, there was no internal storage. The property of the stake warehouse mainly came from the seizure of other regimes in the world, and only stored but not withdrawn. It was clearly stated that it was used to regain the Youyun area one day.

When Emperor Taizong ascended the throne, he failed repeatedly to defeat Liao. He knew that there was no hope of regaining Youyun. He transformed the sealed pile warehouse into an inner warehouse and greatly expanded the source of wealth. He no longer just came from the capture of the war, but also collected newly cast copper coins from the world, tax coins from the Maritime Bureau, and some silk from high-quality silk areas. At this time, the use of the inner warehouse became to balance the financial power of the outer court and win over the hearts of the imperial guards. It was truly the personal wealth of the emperor. Taizong was very sensitive to the accounts of the inner warehouse. Not only did all the officials of the outer court not know, but even the eunuchs in the palace were not clear, and only the emperor knew it. At the time of death, Emperor Taizong handed over the accounts to his son Zhenzong and told him what the sticks placed in the box he was sleeping on his pillow represent, which was considered as handing over power.

Zhenzong further expanded the source of wealth, expanded the two taxes into the inner treasury to more than 60, and further increased the ability to interfere with the foreign dynasty's finances. After signing the Chanyuan Alliance and becoming a brother country with the Khitan, Youyun could not even think about it, and the inner treasury completely lost the significance of Taizu's first establishment of a sealed pile warehouse. Only when the east and west treasury made the treasury empty and there was no way to do so, Zhenzong allowed the three officials at that time to let Ding Wei know the amount of wealth stored in the inner treasury, which was the only special case.

Zhao Zhen was not as lucky as his father. He was still young when he ascended the throne, and Empress Dowager Liu called him the rule. The empress dowager was an outsider, and of course the inner warehouse could not be handed over to her alone, and it was managed by the empress dowager and the prime minister. When Empress Dowager Liu passed away and Zhao Zhen took power, the account was handed over to him. From then on, the outer court did not know how much money the inner warehouse was.

The relationship between the inner treasury and the left treasury has always been dynamic, and each emperor has his own calculations. On the surface, the inner treasury accounts for a larger proportion of the national finances, and the emperor's ability to interfere in finances is getting stronger, which means that the imperial power is becoming stronger and stronger. But in turn, it also shows that the power of the outer treasury is becoming more and more powerful, and the emperor's ability to control the political situation is getting weaker, so this method is needed to be continuously strengthened. When Taizu was at the time of Taizu, there was no such thing as the power of the outer treasury, and he had absolute authority in the government affairs. There were basically rumors from Taizong Deng. After fighting against the outside world to pacify the Northern Han Dynasty, he failed one after another. The generals who briefly disappeared during the battle wanted to support Tingmei, which made him no longer trust the military generals with the foundation of the ruling. He promoted the imperial examination civil officials and attacked the veterans and nobles. However, the imperial examination civil officials also had to take power. This trend continued to increase, and the inner treasury became bigger and bigger.

Zhao Zhen did not pay attention to Xu Ping's serious appearance. At this time, he focused all on how to ensure that his warehousing property was not damaged, and that he could increase more and more.

Let Xu Ping sit down, Zhao Zhen said: "Now Sansi has no money in his hands. If you want to build two banks, where will the capital come from?"

"Report to Your Majesty, the three officials still have a lot of money in their hands, but they have not been printed. The tens of millions of flying tickets on Jingxi Road have to be replenished. When the new money is made, part of the flying tickets will be used as the capital of the bank, and the others will be paid for the accounts between the various yamen, and the remaining ones will be converted into deposits."

Zhao Zhen shook his head, and couldn't say anything. Is it meant to set up a bank to repay those flying tickets? However, Sansi was like making a fortune in vain. Without paying a penny, he occupied half of the shares of the bank participating in the warehouse, which made him feel a little uncomfortable. It is difficult for emperors to care about these with his ministers. Xu Ping said this and then he just forgot.

Zhao Zhen asked again: "How should the two banks be arranged? If they are all crowded in the capital, I'm afraid it's a bit inappropriate. There are only so many households in the capital, and the company has only those business operations to change for the time being. Where can the loan be placed?"

"Your Majesty said something reasonable, and everything is the same. It is really not good to squeeze together. According to my humble opinion, it is better to arrange this way. How about setting up one in the capital and Xijing? The internal warehouse that pays the capital will naturally be located in the capital. You can find someone to take care of the palace, and your Majesty will be at ease. The one that the three officials paid for separately will be located in Xijing."

Zhao Zhen nodded: "It's exactly what I want. But when you come to Jingxi Road, the power of the grain magistrate will be heavy. The transshipment officer should find a minister who has accomplished it, and it's best if you went to Jingxi Road back then."

Xu Ping hurriedly said, "Your Majesty is too worried. The bank has nothing to do with the local government. You cannot let the Caosi manage it in the bank. Otherwise, it would be equivalent to putting a wallet on Jingxi Road there. Is that so great?"

Zhao Zhen didn't say anything for a moment. In the past, according to the convention, he had to work as a transfer officer. If one more position is set, he would have to pay an extra salary, not to mention that it would cost more to set up an extra yamen. However, what Xu Ping said makes sense. If the transfer officer in Jingxi Road was in charge of the bank there, would he be able to use the money in the bank at will?

After thinking about it, Zhao Zhen said, "This is the business of Sansi. You can discuss it with Zhongshu, and you can decide for yourself."

As long as the bank of the Sansi is not competing for business with him in Beijing, Zhao Zhen is too lazy to take care of some details. Xu Ping cut off the source of the minting income and local taxes to the warehouse. Zhao Zhen is now counting on the newly opened bank to bring him enough money and can pay for anything else.

The two banks competed with each other. Zhao Zhen carefully discussed specific matters with Xu Ping, market division, coordination when conflicts arise, and how the two banks jointly opened share profits. He discussed with Xu Ping all the thoughts.

Finally, Zhao Zhen said: "In addition to these banks, the money-making supervision is actually more important. How to grasp the fact that there is not much money and the money you need to use is not less, so it is not good for ordinary people to do it. You said it well before, it is not good for too much money to make it, and it is not good for less, but it is necessary to grasp it just right, and it is important to be an important official. Xu Ping, who do you think is suitable in the court?"

Xu Ping held the scepter: "According to my opinion, I must do this with Nehan Cheng!"

Zhao Zhen smiled and nodded: "Yes, I am just thinking about it, he is the only one who is suitable for this."

The person in charge of the money supervision must have enough weight and a certain understanding of the economy. Cheng Lin is indeed the right candidate. He was chosen not only because of these conditions, but also because he was a Hanlin bachelor, a Hanlin consultant, and had the status of an internal minister. It was also a balance between the internal and external dynasties, which Zhao Zhen was easy to accept.

The money supervision is similar to the central bank in Xu Ping's previous life. It not only manages money, but also uses the reserve ratio of deposits received by several banks to adjust the number of loans in society. This is the deposit reserve for commercial banks. Due to the currency multiplier, a little more will shrink the lending of banks. Another thing is that the amount of government bonds purchased, adjusts the amount of funds in the economic system and controls inflation, which is of great importance.
Chapter completed!