Zhao Xin was depressed.

He was not short of money. Not long ago, Beihai Town just issued a ten-year government bond. Shanxi merchants, salt merchants and Shisanhang in the pass all secretly bought a lot. Not to mention that in several caves on the mountain east of the Falin River, he also saved a lot of thousand-foot silver ingots.

What he was depressed was that he was "beating a rich man", and everyone's reasons for asking for money were irrefutable.

Originally, the purpose of this meeting was to summarize the past, talk about the current situation, and look at the future. As a result, it has become the Qiufeng Meeting, and all departments have reached out to ask for money.

He had been on the front line of Liaodong before, and no one could catch him. When he came back, he had a happy event with A Miao and could only let him go temporarily, and then celebrate the Mid-Autumn Festival. In short, Zhao Xin left enough preparation time for everyone in the committee, and had thought about how to use the most reasonable reason to ask for money. Although there was a lot of meat, there were too many wolves, and time was too long!

Even the old man Yu Delina proposed in the report that an examination institute should be built in Dengzhou and Qingzhou, and that next year's imperial examination and pre-examination training should be changed there; in addition, administrative schools should also open branches in Jiaodong to directly cultivate civil affairs talents in the local area.

The second new imperial examination in Beihai Town was held again before this year's Mid-Autumn Festival, and there were three times more people coming than last year. You should know that the Beihai Army also fought hard in Shandong this year, and won most of the Laizhou Prefecture, Qingzhou Prefecture and Wuding Prefecture in one fell swoop. Among them, Qingzhou Prefecture is a cultural and educational place since ancient times. Liu Yong's hometown Zhucheng is located in the south of Qingzhou Prefecture.

The momentum of the change of dynasties became increasingly obvious, which made many gentry in a wait-and-see state unable to sit still, so they secretly sent their servants to Dengzhou to inquire about the news. When they learned that last year, Beihai Town admitted all 241 candidates, regardless of their student students, and they were also trained to become officials for one year, they were immediately infuriated.

The imperial court is about to end, and the imperial examinations once every four years are meaningless, let alone the so-called "Enke" in 2019. Who knows if Jiaqing is still in the Forbidden City next year?

Why did King Zhao hold the imperial examination every year? It was obviously because he lacked people under his command! If he didn't go to Beijing and settle down in the Dragon Court, he would change his imperial edict to every four years, then he would be a big loss! In the words of farmers in the farming industry, eat shit as early as possible, otherwise he would not even be able to catch up with the hot ones.

The surge in the number of people taking the exam is certainly a good thing, which makes old-style literati such as Wang Zhong and Duan Yucai very excited; but Yu Deli, as the head of the Education Committee, knows that it is not enough to cross the sea every year. If you are in danger at sea, hundreds of scholars will have to see the Dragon King, which will have a very bad impact.

Speaking of which, everyone in the committee had finished reporting, and Zhao Xin also estimated that their budget would increase next year, which was about 10 million to 12 million. OK, at least he could still keep half of it.

"I'll ask a question. Why don't we issue paper money?"

When everyone heard the sound, they found that it was Yang Yi, the head of the Jilin Reservoir Project. He attended the political symposium in Beihai Town as a member last year. At the regular meeting after the Spring Festival this year, he was approved by the committee and became a regular member.

This 45-year-old intermediate water conservancy engineer, who had served as vice president of a water conservancy engineering design company in the north before coming. He talked about work with a young and beautiful woman in the unit and lost her job.

It's funny to say that Vice President Yang was almost blocked in the house by his boyfriend at the time, but he was so panicked that he wrapped himself in a sheet without clothes. He climbed down the water pipe outside the bedroom balcony. The woman threw his clothes out of the balcony. Fortunately, it was the third floor or an old-fashioned building. If he had to change to a high-rise building, Vice President Yang would have to become a high-altitude falling object.

However, it was precisely because it was an old community that Yang Yi was noticed as soon as he turned it out of the balcony. As the people of melon were constantly joining, someone soon spread this scene online through self-media. So he became famous, the club died, his wife divorced him, and he was fired by his unit when he left the house. Then, he was deceived by Zhao Xinlian Meng.

There are many rivers in the northeast, and they will flood when the summer rainstorm period occurs. There is also the problem of farmland irrigation. It is really not possible without a specialist in the water conservancy industry. For example, how to repair the irrigation channel system? How to build a flood control system? What are the design standards for river floods? How to do reservoirs?

However, this person who works in water conservancy projects is a big shot, but he is a bad thing in finance. Yang Yi's problem has been held back for a long time. When he was unemployed and was at home, he was free of charge and spent time on the Internet. Those guys who traveled to ancient times and became emperors often made banknotes, so the financial problems were solved.

Zhao Xin shook his head and said, "I can't do it. Or there is currently no condition for issuing paper money."

Yang Yi asked, "Why?"

Damn, how did Zhao Xin explain this? This kind of thing cannot be explained clearly in just a few sentences. He thought for a while and said, "Mr. Yang, the issuance of paper money must be based on bank bonds, and the bank bond system must be based on property rights system."

Liu Zheng asked curiously at this time: "What is a bank voucher?"

“Promissory note, bill of exchange, check.”

Liu Zheng nodded and blurted out: "The Piao number of Shanxi people." He has often dealt with Shanxi merchant groups in Kulun in the past two years, so he immediately thought of it.

Zhao Xin showed a sensible expression and said, "The bill number is just the prototype of bank coupons, and it can also be said to be a conventional informal banknote. The jargon is called private posts."

Yu Deli said at this time: "Zhao Xin, among us, the one who understands the economy the most is you. It's still early, so I'll tell you about it. I don't understand these things very well."

"Yes! Say it." Zhou Weiguo was beating the drum.

When this person heard the word "property rights", his eyes immediately shone, and immediately thought of the issue of citizenship raised by himself at the meeting two years ago. At that time, Yu Deli and Liu Zheng joined forces to fight back because of immature conditions, which was very embarrassing. Now Zhao Xin mentioned property rights, which is the material basis for the realization of citizenship rights.

This chapter is not finished yet, please click on the next page to continue reading the exciting content behind! Zhao Xin felt a little funny when he saw Zhou Weiguo's appearance, so he got up and pulled a whiteboard in the corner, and took a pen to write the words "title number", "credit" and "property rights".

"In this year, if you want to set up a ticket account, you must first have strong business names, and then you must have commercial outlets all over the country, so that you can evolve from commercial credit to monetary credit. With monetary credit, you must have a national credit support, such as helping the government collect taxes and advance payments, so that the ticket account will grow. No matter what business you do, it is better to do a large scale with the government.

Let’s talk about the Jin Shang Piaobao. Why did the first Rishengchang Piaobao, which dared to say “Huitong Tianxia”, not be founded until more than 20 years later? That was because Lei Lutai set up the outlets of the Painting House across the country, and he dared to have the confidence. Isn’t the reason why the Jin Shang Piaobao grew up because he helped the Qing government collect and pay the compensation? Hu Xueyan’s Fukang Money House also helped Zuo Zongtang borrow money to develop it."

The Qing Dynasty Piaohao, which was well-known in later generations, did not appear until the fourth year of Daoguang in history, that is, 1824. Since then, Shanxi Piaohao has grown up like mushrooms after a rain.

It should be noted that early money shops and ticket numbers were not the same. The former specialized in silver and money exchange, which was called money shops in the south, and account shops in the north. Although there are also exchanges, they are mainly conducted between private individuals.

After the historical appearance of bill numbers specializing in exchange and deposit, money shops or accounts still exist. They limited their business scope to commercial cities in the region and insisted on deposit and deposit business without operating exchange. The exchange business of inter-port trade services is entirely borne by bill numbers.

Today, Rishengchang Piaohao is just a pigment dealer named "Xiyucheng". Its owner is the Li family in Pingyao. Currently, there are only a few branches in Beijing, Tianjin, Hankou, Chongqing, etc.

As for the famous Lei Lutai, he is currently just a guest at a casino in the corner of the north gate of Pingyao City, commonly known as the "Treasure Powder Style".

After hearing Zhao Xin's explanation, Yang Yi nodded and said, "I understand what you mean, do you know the channel construction? But I think we have almost done it outside the pass, and there are outlets in Jiangnan."

The outlets in Jiangnan he mentioned refer to the various semicolons of "Huang Shengtai" north and south goods. In recent years, the Huang family has been backed by Beihai Town and its business has been booming. The eight prefectures in Jiangnan have the Huang family's semicolons. However, nearly 40% of these semicolons are under the sign of the Huang family, but in fact, they are all operated by Beihai Town.

Zhao Xin shook his head slightly and said, "Our situation is different. The early immigrants were essentially long-term workers. All our systems had to be obeyed, otherwise they would not get fifty acres of land. When the Beihai Silver House was first established, I went to the factory with Lao Chen to inspect. The workers didn't understand why the salary was collected from the Silver House, rather than directly sent us. At that time, they often complained privately.

At first, many of you thought I opened a bank to make money. In fact, what money can I make? Losing money is the real thing. My real purpose is to establish a credit system step by step. Now, more than 100,000 yuan of salary in the Beihai military has to be collected from the Beihai bank account. People have to pay taxes to the bank account. The annual grain purchase payment is also allocated through the account. Everyone thinks it is quite convenient, which means that our commercial credit has been initially established."

Yang Yi asked, "Then when will we issue paper money?"

"Actually, we could launch paper money two years ago in Northeast China. The problem is that our rule is too small and the size is not enough. Even if we make paper money, it will not solve the problem. We must focus on the whole country."

Zhao Xin continued with a pen and tapped the words on the whiteboard, "We already have the business name; I believe that everyone who has been to Anping Port can see it; government credit needs to be mentioned, Beihai Bank is our own, the key is to establish a nationwide commercial network. When these conditions are met, we can follow the trend to launch banknotes. To achieve the goal of Huitong Tianxia, ​​we must also have the ability to centrally clear, control a large proportion of the bill market, and only then can we consider issuing banknotes."

He was just talking in general today, and the actual operation was far more complicated than what he said. Moreover, the biggest problem in issuing paper money is the depreciation caused by the abuse of government credit, which is inevitable. Now, the price of copper coins in various places in the pass is rising sharply. This is to rashly launch paper money. As long as it depreciates, the people will definitely turn to copper coins and silver again, which will lead to a vicious cycle.

In history, the Song, Jin, Yuan and Ming dynasties issued various paper money, Jiaozi, Qianyin, Huizi, Baochao, Jiaochao, Zhongtongchao, etc., all of which were guaranteed by government credit. However, the government credit of the feudal dynasty was the most untrustable. Once a war or a famine occurred, in order to alleviate financial deficiencies, all paper money would eventually become paper rubbing the butt. After the implementation of the "One Whip Law", silver became the only currency with full monetary functions, and the credit banknotes of ancient China could no longer be played.

After the afternoon meeting, Chen Qingsong called Zhao Xin, who was about to go out, and said, "Although I don't know much about finance, if you want to establish a nationwide commercial network and clearing center, the relevant personnel must be prepared in advance. Do you think you are looking for two professionals from us?"

Zhao Xin pondered for a moment, shook his head slowly, and said, "Instead of hiring professional talents, it is better to open a financial accounting school first. This matter cannot be done by just one or two people, and there are no hundreds of talents."

Chen Qingsong thought to himself, okay! We still have to continue to fool the teacher's rhythm. He smiled helplessly and asked, "So where are you planning to open the school?"

Zhao Xin said without hesitation: "It's located in Shandong. It's also convenient for personnel exchanges."

"By the way. You don't plan to use Jews? These people are born with financial management experts."

"No, I would rather use the children of Shanxi merchants than those people!" Zhao Xin said to Chen Qingsong in a serious tone: "Old Chen, I only tell you something privately, and I will definitely not talk about it publicly. The Jews under our rule can be workers, farmers, and scholars, but they must not be involved in finance and media!"

Jews are a group of people who are ignored by many people in Beihai Town but are also followed by Zhao Xin at any time.

After Zhao Xin took over Yenisesk, the local Jewish group took the initiative to request dependence because it was because it did not want to be displaced anymore. After Zhao Xin issued a notice to cancel the alcohol tax system and ban Jews from engaging in the usury industry, the Jewish group in Siberia quickly split. Some people returned to Tsarist Russia in the spring of the following year, while others went to the Xiawujinsk and Tulum areas designated by Zhao Xin for them.

Now four years have passed, and the Jewish population under Beihai Town has grown from more than 6,000 to more than 10,000. Since the year before yesterday, the civil affairs department has moved more than 4,000 Jews from Siberia through land replacement and tax exemption period extension, and resettled them in various villages and towns from Whale Town to Boli.

Zhao Xin’s next plan is to wait until the situation in the newly recovered Liaodong region stabilizes and continue to move the Siberian Jews out. The reason for doing this is actually to summarize it in four words and turn it into Xia.

Although there were various ethnic groups in ancient China and their customs and languages ​​were different, they could recognize each other at the level of etiquette. No matter who they were, as long as they recognized the "ritual" of Chinese civilization and abide by it, they were China. For example, the Kaifeng Jews in the Song Dynasty, the Seme people in the Ming Dynasty, and even the Russian Zuorang in the Qing Dynasty.

Nowadays, every Jewish person under Beihai Town has to give him a Chinese name, and even if he can't say a word, he must have it; children of appropriate age must go to school to learn Chinese, and there is no need to discuss it.

In addition, Jews like to gather together to pray. According to the Jewish law, adult men must gather more than 10 people to pray three times a day. Theoretically, Jews can pray anywhere except unclean places, but as long as their lives are settled, who doesn’t want to have a church? For this reason, the Civil Affairs specially built two courtyards with carved beams and painted buildings in the town of Boli and Whale, and used it as a church for the Jews.

As for the layout of the room, it is based on the suggestions of the rabbi. In fact, the interior of the synagogue does not need to be like Catholic or Orthodox Church, and the whole room is full of idols or portraits; there is a large platform used to recite the Pentateuch, a bright seven candlestick, and a small podium and seat.
Chapter completed!