Great Zhou Empress

After listening to Xue Zhijing's thoughts, Yuan Hanzhang walked around in the study repeatedly.

To be honest, Xue Zhijing's plan was really too radical, she didn't need to think about it, she knew what kind of chaos it would cause in the entire court.

However, there are some plans, Yuan Hanzhang is very excited.

Such as the Military Aircraft Department, such as the Shenji Camp.

In the end, Yuan Hanzhang still agreed, and even discussed the details with Xue Zhijing.

No one knows better than her what the Dacheng Dynasty is now.

Soon, Yuan Hanzhang asked the Zhengshitang to draft documents, and Enke will be opened from this autumn to the beginning of next spring.

This policy was basically not hindered, except that a few ministers questioned why it was not a special year, why should Enke be opened, and it was quickly implemented.

After all, the imperial examination is highly respected by the entire scholar class.

Xue Zhijing also started to go to the Yuanjia cabinet shop and began to reform.

The Yuan family cabinet workshop is the property of the direct line of the Yuan family, and each generation will be passed on by the direct line.In Yuan Hanzhang's generation, there are only her and her elder brother who has passed away, and the next generation is a disabled son left by his elder brother.

Therefore, the Yuan Family Cabinet Shop became Yuan Hanzhang's property, but generally speaking, after she passed away, she would still return the Yuan Family Cabinet Shop to her disabled nephew or nephew's son.

Considering this matter, Xue Zhijing felt a little troublesome, so he asked for Yuan Hanzhang's opinion, and split up the business, real estate, and personnel of Yuan's Cabinet, which was equivalent to completely stripping off the "dowry" that belonged to Yuan Hanzhang. out.

It was speechless to say it, and the dowry was only split at this time.

But who made the laws of this era relatively perfect, but still only treat women as half people? When the father dies, the daughter can only get a dowry equivalent to half of the brother's property, which is not considered a division of family property.

What's even more exasperating is that if there is no brother, the family property cannot be inherited in full. It has to adopt a brother from the clan, and then divide the property according to the division rules of brothers.

I have to say that Yuan Hanzhang has to thank her for having a disabled nephew.

Xue Zhijing thought, one day, this inheritance law will have to be changed.

Part of the assets of Yuanjia Cabinet was split off, Yuan Hanzhang invested some from his other assets, Xue Zhijing also invested a considerable amount of his own assets, and formed a new bank, named Sheng Feng Qianzhuang.

In this era, counters were responsible for the business of storing customers' gold, silver and copper coins, and received funds based on a percentage of the storage capacity.At the same time, only a small number of counter shops will have a loan business, and the interest on loans is very high.

In the market, officials, landlords, monasteries, and businessmen often lend usury on their own, so lending is not the main business of the cabinet workshop.

Xue Zhijing's bank is naturally built according to the model of a modern bank.

Shengfeng Bank can store customers' gold, silver and copper coins. Not only does it not charge fees, but it also gives interest. Customers will get one or more bank notes that record the storage amount and storage time.

But at the same time, this banknote can only be fixed, and can only be withdrawn when it expires. If you want to withdraw halfway, you need to compensate the customer.

Shengfeng Bank can provide loans with lower interest rates than all loan sharks on the market, mainly for foreign maritime merchants and large-scale merchants traveling around.

Shengfeng Bank can invest. If the volume of maritime merchants and merchants is too low, they may not be able to repay the interest. They can invest in the form of stock conversion.

Banks around the world can carry out remittance operations.Remittance is a very costly process in this era. If you want to remit money from Yangzhou to Bianjing, the people in the bank are equivalent to turning into escorts, packing your money and transporting it to Bianjing city by car and boat.Therefore, most of the general counters are unwilling to undertake such business, but Xue Zhijing knew that this is a very important business that must be carried out, so he decided that more than 100 taels of silver can be remitted, and the fee will be charged according to the distance.

However, in this way, Xue Zhijing will set up outlets in major cities across the country, and at the same time, establish a quarterly settlement system.

The bank also sells the national bonds of the Dacheng Dynasty as an agency, but it is not used at this time.

For Xue Zhijing, Xue Zhijing is familiar with the business of the bank. The only hard thing is that she needs to train a lot of talents to carry out this kind of work, and she can probably find it from the guys in the former Yuanjia cabinet.

But later she realized that she was thinking too much. There are still a lot of talents in the folk, such as shopkeepers and clerks of various shops. They often have accumulated a lot of experience in mathematics and business economics in their daily lives, and it is easy for them to borrow money. I understand, everyone rushed over after hearing the recruitment information, which relieved Xue Zhijing's initial predicament.

In this way, in a short period of time, Xue Zhijing set up Shengfeng Bank in several major cities, advertised through the reopened Lichunyuan, and the business gradually became on the right track.

After the money bank was completed, she began to set up the Shenji camp.

Yuan Jin was not able to join for the time being, Li Jing had just come out of the prison and was still in good health, so Xue Zhijing asked Chen Tang to do it with her.

Chen Tang has been serving as an adjutant by Yuan Jin's side all these years. She doesn't have the natural general ability like Yuan Jin, nor does she have the steady strategy ability like Li Jing, but she has natural supernatural power and rich combat experience. Xue Zhijing is ready. Make her an instructor.

They discussed, and first found the children of the middle-level generals who trained the polo team with them back then.

It is not easy to be promoted in the Forbidden Army, except for a small number who have already gone to the border, the rest are still at the bottom of the Forbidden Army in the capital.

In addition, they also went to various sales homes inside and outside the city, and recruited teenagers and boys in the village, and those with some basic physical fitness and potential were their target seeds.

Regardless of how skinny these teenagers are now, Xue Zhijing knows very well that as long as the nutrition and training keep up, within half a year, they will be extremely strong.

The funds for Shenjiying cannot use the current national treasury. The start-up funds were provided by Yuan Hanzhang and Xue Zhijing. Later, Shengfeng Bank will sell national bonds to raise funds.

Even so, when the Shenji Camp was being prepared, the court began to move around.

They came to Yuan Hanzhang one after another.

The Privy Council said that they must be in charge of military affairs, and how could it be done without their approval.

Yuan Hanzhang responded that she just wanted to form a private bodyguard team, which is not considered a national army and does not need to be managed by the Privy Council.

The Ministry of Household Affairs said, what should I do with the funds? The treasury cannot be used, because the treasury is out of money.

Yuan Hanzhang responded that she knew that the country had no money, so she paid out first, and then issued national debt to let the country borrow money.

Borrow money?

Suddenly, the court completely forgot about the new army, and was thinking about borrowing money.

Why is the country still borrowing money?

The Dacheng Dynasty was economically developed, and because it gave preferential treatment to scholar-bureaucrats all the year round, it was relatively free in social thought. In terms of economy, there were many different angles of competition, and some even went in the opposite direction.

At this time, as soon as Yuan Hanzhang's loan matter came out, these ministers who originally agreed with different economic methods began to quarrel again, one by one in the early court, and in the political affairs hall meeting, and in the afternoon They also quarreled when Yuan Hanzhang reviewed the documents.

The minister who advocated "returning to the past" said that we are an agriculture-based dynasty, and we should guide the people to pursue a simple life. "A gentleman is a metaphor for righteousness, and a villain is a metaphor for profit."

The minister who advocated "frugality" said, how can we borrow money? Only those who do not plan their lives well, and those who are extravagant and wasteful will borrow usury. It would be good if there is an atmosphere of frugality in the upper and lower courts.

The only ministers who still reluctantly agree with Yuan Hanzhang's statement are mostly ministers who advocated the idea of ​​"rich country" before. They reinterpreted the sentence "a gentleman is a metaphor for righteousness, and a villain is a metaphor for profit", thinking that the material basis is the foundation of all propriety, righteousness and shame. The foundation is to respect what Guan Zhong said, "If the granary is real, you will know the etiquette, and if you have enough food and clothing, you will know the honor and disgrace."But they don't understand why they need to use loans, and it's enough to increase taxes.

Yuan Hanzhang's brain hurts from their quarrel.

The terrible thing is that she still has to explain and appease them one by one, and face all of them with the attitude of being the mother of the world.

The most annoying thing is that delaying her approval of documents made her sleep deprived every day, and she was very angry.

At the end of the quarrel, before she lost her temper, several radical ministers began to force her.

In the early morning, at the gate of the palace, they were screaming, kowtowing, and playing with tears.

Hearing the eunuch who came to report back at the door, those white-bearded old men were kneeling outside alive and well, with tears and snot all over their faces. them.

Crying one by one, come on, I give you the sword, and die for the country by the way.

There was such a big commotion at the gate of the palace, and the palace was not too big, so Xue Zhijing naturally heard it, and when she rushed to Yuan Hanzhang's study, she saw Yuan Hanzhang summoned Sun Miaoer to massage her acupuncture points to soothe the liver and regulate qi.

"Xiaojing, you came at the right time. You said, these ministers are outside, saying that they want to die. Tell me, when did the scholar-bureaucrats die in this dynasty? They want to put me on the fire. When the soldiers of the Liao Kingdom came to the city of Bianjing and wanted people to go out to be envoys, none of them were so enthusiastic. Before Qin Guogong rebelled and wanted to send troops to quell the rebellion, I didn’t see them so scrambling. Why, we will issue a The national debt, this is about to destroy the country, and you are going to give me a deadly remonstrance, because you think I am old and easy to bully, right?"

Regarding the national debt, Xue Zhijing explained it very clearly to her, and she understood it very well.

There is also such a way of lending among the people, borrowing a sum of money, and repaying it in batches over a period of several months or years, plus a part of the interest.

This method can minimize the pressure on the borrower. If there is a legitimate reason for legitimate purposes, and the borrower also has a legitimate and continuous source of income, this method of borrowing is a very appropriate method.

The current national debt is equivalent to borrowing a part of the future tax revenue of the Dacheng Dynasty Municipal Shipbuilding Department from the future to the present to alleviate the current urgent need, so there is nothing wrong with it.

What kind of nonsense reasons are they talking about.

At this time, a little eunuch stumbled in and said, "Mother, it's not good, Mr. Zhang Ge from the Political Affairs Hall bumped into a corner, bled a lot, and passed out."

"what?"

Didn't the incident of bumping into the pillars of the hall at every turn happen frequently in the Han Dynasty?It has been hundreds of years, how did these old men pick up this ancient way of persecuting the emperor?

Yuan Hanzhang felt that it was useless for Sun Miaoer to press any acupuncture points for her.

Xue Zhijing's mind was spinning rapidly, and suddenly she thought of something, and quickly said to Yuan Hanzhang, Yuan Hanzhang laughed immediately, sighing that this is really a good way, just to calm down the anger of these ministers.

Because this plan required the cooperation of Sun Miaoer, the two also asked for Sun Miaoer's opinion, and Sun Miaoer also said that there was no problem.

In this way, Yuan Hanzhang hurriedly asked someone to bring in the Zai Zhi who had hit his head, and also let all the ministers at the gate of the palace come in.

It's time to show them a special show.