Overlord!
Chapter 303 Banks and the Anti-Luxury Law
Of course, the key to having children is to be able to raise them, and this is true no matter what era.
The addition of a child to Sun Ce's family is also a microcosm of this era. Infant drowning has always been a serious problem in the feudal dynasty.
If the Wei water is not washed, the mouth will be rich. It is the poll tax that puts tremendous pressure on the people of this era.
And because Jiangdong not only reformed the land system, but also changed the tax system from taxing per capita to taxing per land in response to today's current situation, population became one of the most important productive forces under Jiangdong's rule.
The people have begun to have children one after another, and every household is trying its best to find young people, add children, and hire tenants.
The reform of the tax system has also caused great changes in the focus of statistics.
That is, all the above plans have been changed to focus on farmland and industry and commerce. Without careful population statistics, of course, each large household has no interest in concealing household registration and collecting hidden households.
Changes in one part of the political system have an impact on the whole body.
Since the population cannot be counted in detail, it is destined that the country cannot adopt the conscription system and can only adopt the recruitment system.
There has never been a complete census in the Song Dynasty, and the court has never concluded the population of Kyoto. Sun Ce is now gradually beginning to believe it.
Because regarding the wealth in Fuzhong, Chen Yue’s return is mainly based on acres of land.
"Husband, the greatest wealth in the mansion is naturally the gardens, gardens, farms, etc. totaling [-] hectares allocated to the mansion."
Two hundred thousand hectares may not seem like much, but when converted, it is more than [-] million acres.
Of course, not all of them are farmsteads like Huangzhuang. Most of them are Yuanyu in the Jiankang area, with forest hunting grounds, mines and lakes.
Chen Yue continued: "There are about [-] hectares of farmland, but there are only more than [-] tenant households. Even if there are cattle, the area that can be cultivated is only one-tenth or two-tenths, and most of them are rented to the common people. Every year During the spring plowing season, the most difficult thing is to hire tenants to prevent the family’s fertile farmland from going to waste.”
Sun Ce gently stroked his back and said with a smile: "Madam, it is very hard to manage the family business. The prosperity of Gu Neng's family and everything depends on Madam's strength."
What Chen Yue said also shows the foundation of the country's prosperity today.
After the chaos, there were far more fertile fields than people.
To be honest, the scale of the [-]-hectare Imperial Manor is really too small. Even the blessed king of the Ming Dynasty was granted [-] hectares of land at one time.
One mu under the Ming system was much larger than one mu under the Han system. That is to say, Sun Ce's [-] hectares of fertile land may not be as large as the family property of a prince in the late Ming Dynasty.
But even so, Sun Ce's family couldn't find enough tenants to farm, so they had to rent it out. This shows that there is no shortage of acres of land for the people in the world to farm.
In feudal society, isn't this what most of the prosperous times were like? After the great chaos, the population dropped sharply, land conflicts eased, and everyone had land to cultivate, which made the people prosperous and the country peaceful and peaceful.
So Sun Ce sighed: "The country has land and the people have industry. This is the beginning of Jiangdong's great prosperity."
"But do you remember that there seemed to be tens of thousands of prisoners serving as concubines?"
Chen Yue nodded and replied: "Some of these tens of thousands of concubines are working in gold mines, some are in workshops, and some are in salt farms, orchards, tea gardens, and mulberry gardens. They increase the wealth of the mansion every year. Now there are all kinds of gold and silver in the treasury." Jewelry is really innumerable, and jade and porcelain must be recorded in classics."
"The weight of it is about five thousand catties of gold, three hundred thousand coins, seven hundred thousand pieces of cloth, and more than ten thousand brocades."
Sun Ce nodded slightly, and it could be seen that as the wealth of the rich increased, money began to accumulate, and the wealth that could be consumed and circulated was definitely not as good as the large number of common people. After all, there are only so many people in the General's Mansion. No matter how much he eats or drinks, his spending power is only so great.
If according to the past, if a wealthy family accumulated so much wealth, it would definitely be buried directly.
As the elders of the clan pass away, the descendants of the descendants will pay attention to how they died as they were born. They must have buried several tons of copper coins and a large amount of gold, silver and jewelry with them.
There is almost no benefit except fattening the tomb robbers.
So Sun Ce asked: "I heard that money merchants are very prosperous in Jiankang City? Has Madam ever borrowed money from outside?"
Not to mention that the Central Plains does not attach importance to industry and commerce. In fact, the reason why Central Plains money merchants prosper is that a large proportion of money is lent to those small industrial and commercial people.
With the development of the economy, a large number of farmers and craftsmen want to transform into workshop owners or businessmen.
There was just a lack of funds, so Ziqian merchants made up for it.
Of course, Sun Ce was not trying to rectify the name of Ziqian merchants, because they had always been not only engaged in this field, but also used loan sharking to harm the people.
But there is nothing that can be done about it. With the prosperity of industry and commerce, the government can only face this problem.
Therefore, the two major economic problems faced by the Song Dynasty were real estate and usury.
That's why Wang Anshi's reform was launched, and the Green Crop Law was established to flexibly convert the grain storage in Changping Cang and Guanghui Cang into capital and lend it to farmers and urban handicraftsmen at an interest rate of [-]% to alleviate the exploitation of private loan sharks. phenomenon, and at the same time increase the government's fiscal revenue, so as to achieve "the people do not increase taxes but the state uses enough", and improve the phenomenon of "poverty" in the Northern Song Dynasty.
Of course, the poverty in the Northern Song Dynasty was different from the poverty in other dynasties.
The so-called poverty in the Northern Song Dynasty refers to the situation of high financial pressure and the need to alleviate financial tension. Like the so-called poverty in Ming Dynasty, it means really having no money! No taxes can be collected.
Upon hearing Sun Ce's inquiry, Chen Yue thought that Sun Ce was concerned about whether she had violated any laws or disciplines, so she immediately replied nervously: "What I do is all pure business, and I have never violated any laws or disciplines. What violates etiquette the most is also I just let my subordinates do business in Jiankang City, but I am not the only one doing this. Which of the major clans does not build dozens or hundreds of houses in Jiankang City and collect the rent money?"
Sun Ce smiled and clapped his hand, and said, "I don't mean to scold Madam. This money merchant did it to someone else. Can't we do it?"
"Do it! Not only do it! Do it big!"
Sun Ce was resolute and said: "People need to borrow money. This is something that has happened throughout the ages, and it applies to everyone. If we don't borrow money, there are some wealthy businessmen who will. Then it is better to open the business openly and call it a bank. . If our scale is larger and the interest rate is lower, the people will benefit even more."
"A family fortune of three hundred thousand yuan is just a pile of copper and iron if it is left in the house. Only when it is circulated can it promote the prosperity of the people."
Wang Anshi's ideal of not giving more wealth to the people but having enough for the country is undoubtedly a good one. It is also the inevitable direction of economic development.
But the biggest problem is that he allows officials to control everything, and it is easy for distortion and corruption to occur because of power. Sun Ce felt that it was better to develop banks on their own in the Central Plains in later generations, which were more suitable for the customs and customs of the Central Plains.
The promotion of banks by private businessmen can not only regulate interest rates, but also prevent corruption.
With one hundred thousand guan attached to his waist, riding a crane down to Yangzhou may have been commonplace in later generations. But now this is [-] million yuan.
During the Ling Emperor Dynasty, Cao Cao's father, Cao Song, only spent [-] million yuan to buy the position of the Three Dukes and served as a Taiwei!
Speaking of the prosperity of the people, Sun Ce asked: "Isn't it time for the orange tree that I planted with my own hands to have a good harvest? It has been seven years now."
Chen Yue said with a smile: "Last year there was a good harvest, and the family couldn't eat enough, so they distributed more to the ministers and princes' families. This year, they were even sent to the shops to be sold in the city. The people heard that the orange tree was planted by the husband himself. , everyone rushes to buy them. I heard that there are several vendors in the city claiming that the oranges are grown by their husbands."
Sun Ce waved his hand and said: "No need to pay attention, this is just a means of business transactions."
Just like in later generations, the actual output of Yangcheng Lake hairy crabs was only 1500 tons, but more than 90 tons of crabs were sold in the name of Yangcheng Lake hairy crabs.
That is to say, 99.999% of the Yangcheng Lake hairy crabs on the market are not authentic hairy crabs at all. The more conscientious merchants use nets to pass the hairy crabs in Yangcheng Lake, while the more unscrupulous merchants transport some Yangcheng Lake water and sprinkle a few drops of water on the crabs, which is even more shameless. The good ones are not even willing to sprinkle a few drops of water on them, so they take crabs from other places and transport them to the merchants and claim to be good.
Anyway, both buyers and sellers know what's going on. You sell for a small profit, and I buy the reputation of Yangcheng Lake, and no one will expose it.
The same goes for oranges. Sun Ce may not have planted a hundred orange trees with his own hands, and they were still in Wu County.
But now in Jiankang City, there are oranges planted by Sun Ce himself everywhere, which shows what is going on. What behind this is the prosperity of Jiangnan.
Sun Ce smiled and said: "Thousands of orange trees in Jiangling are like thousands of households of princes. The people's land is rich, which is equal to the wealth of the princes' homes! I only hope that the people's homes can have dozens or hundreds of households to be as rich as those of the princes." equal."
The biggest advantage of not having a land system is that hard-working people can get rich quickly.
So far in Jiangdong, there is still a lot of open space even around Jiankang City. As long as a family works hard to cultivate and own hundreds of acres of orchards and mulberry gardens, it is not difficult to become as wealthy as the princes.
Chen Yue said: "Today in the south of the Yangtze River, there is nothing happening in the world, taxes are even, people are content with their jobs and are happy with their work, cattle and horses are left in the wild, the remaining grain is shared among the acres, people travel in thatched cottages, the outer areas are not closed, and the people meet each other like relatives. It is in short supply. Those who get funding from roads. It can be said that there are infinite people in the world."
"In today's affairs, extravagance costs are more important than natural disasters. It is advisable for your husband to establish laws prohibiting extravagance."
Sun Ce thought Chen Yue's suggestion was very good. It happened to be that at the end of the year, the governors from all states in the world were about to be summoned. Sun Ce felt that it was very timely to form a trend of advocating frugality in Jiankang City.
So the next day, Sun Ce asked Zhou Cheng to write a prohibition on luxury and inform the city.
"Luxury and extravagant expenses are worse than natural disasters, and licentious and extravagant customs are the biggest thief. As the ancients said, people are content if they don't do things that are useless and harmful, and don't value foreign things but use things cheaply."
"The king of the sage is frugal. If he is rich and powerful, he should keep it as a promise; if he is wise and intelligent, he should keep it as foolishness. He will not be proud of others because of his dignity, and he will not be proud of things because of his virtue."
"Isolated thoughts return to innocence and simplicity, showing quality to the world. For example, if you hear that you are idle and fall into karma, there are many such things. If the time is not rich, it will lead to famine. The different colors of silk and brocade, and the idle skirts and clothes among the flowers, are extravagant. Excessive fees harm female workers."
"The grass is not cut, the rafters are not trimmed, the boats and carriages are not decorated, the clothes are not written, the earthen steps are not respected, and the soup is not harmonious. It is not a hatred of honor and a disgusting taste, but a thin and frugal place. Therefore, the customs are simple and simple, and compared with The house can be sealed. This is the virtue of frugality. These two are the end of honor and disgrace."
"Luxuriousness and frugality are left to others, and safety lies with oneself. If the five gates are closed closely, good fortune will be far away; therefore, the osmanthus embraces the beetles, and finally destroys the fragrance of the moon; the red fire contains smoke, and then the flames of the soaring clouds are suppressed. This is how you know arrogance It comes from ambition, but if it is not restrained, ambition will fall; if desire is born in the body, if it is not restrained, the body will be destroyed. Therefore, Jie and Zhou's unbridled passion led to disaster, and Yao and Shun made promises to themselves and their blessings were extended. Is it okay to do this?"
Later, the government issued strict prohibitions on the houses, carriages, horses, clothing, weddings, and funerals of princes and common people. They must not exceed the regulations. Once the standards are exceeded, severe penalties will be imposed.
The government hopes that from now on, the customs will be simple, the clothes will not be embroidered, the wealth and silk will be abundant, and there will be no disadvantages of hunger and cold.
And the effect is also very impressive. Since the government clearly prohibits funeral expenses and prohibits extravagance, advocates thin burials, prohibits the burial of large amounts of copper coins, gold and silver into tombs, and advocates replacing gold, silver and jade with pottery, porcelain, etc., so the people in Jiankang City Money enhances it significantly.
The previous shortage of money among the people has been greatly alleviated.
Especially after the banks were opened in October, a large amount of money poured into the market, and shops and workshops in the city flourished.
Money shortage has always been a thorny problem faced by the Central Plains. This is because copper coins from the Central Plains will continue to flow to all directions. People in the Central Plains use copper coins to buy gold coins, jade, tortoise shells, ivory, spices and other items from other countries.
When a country's currency is circulated in countless surrounding countries, it is natural that there will be a shortage of money.
In addition, every wealthy family buried a large amount of copper coins in their burials. Even the houses of princes and princes buried several tons of copper coins in one burial. No matter how the coins were minted, there would be a shortage.
The money shortage problem in Jiangdong has been extremely serious in all dynasties.
The price of grain in Jiangdong is constantly falling. It has fallen below 30 yuan, and one stone of grain only costs more than [-] yuan.
In addition to the bumper harvest of food in Jiangdong, more importantly, there was a shortage of copper coins.
The land tax in Jiangdong has a fixed amount per mu of land.
Therefore, it is not a good thing that food prices are too low. After all, low grain prices hurt farmers.
And with Jiangdong's northern expedition and the expansion of such a large territory, more copper coins were naturally needed to circulate in order to stabilize local prices.
Jiangdong Tongbao wanted to replace the northern cloth as currency, which caused a money shortage under Jiangdong's rule.
This led to the resurgence of privately minted currency that had been suppressed by Sun Ce.
The Jiangnan clan once again took a desperate risk and began to mint currency privately. After all, no one in this era knew how many coins they had hidden in the clan's cellar.
Now it is just in time to take advantage of this spring breeze to take out the privately minted currency and the currency previously deposited and circulate it into the market.
When the governors from the northern states arrived in Jiankang at the end of the year, one of their important missions was to bring the wealthy families under their rule to Jiankang to collect currency. Whether it was minted by the government or privately, there was a huge shortage in the north now.
It would be more convenient to have a tradable currency than to use cloth as currency. The North was fed up with the lack of money and goods.
Amidst all the disturbances, at the end of the year, the governors of various states finally gathered in Jiankang to prepare to participate in the court meeting. (End of chapter)
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