Long live the ancestral dragon of all worlds

Chapter 68 The Great Qin Bank
Sima Yi continued: "Your Majesty, adding 700 hoplites will increase military expenditure by [-] million taels a year.

Plus the original 1075 million taels of silver for the light and heavy infantry, the military expenditure of the second-line city defenders, and the millions of military expenditures for the heavy cavalry.

The military expenditure of my Great Qin State alone will exceed 2100 million taels of silver, and the current tax revenue of the Qin State, even if the tax revenue of Yucheng County is included, it is 1650 million taels.

If other expenses are added, such as building schools across the country, repairing official roads, post stations, palaces, etc., our Daqin spends nearly 2700 million taels of silver a year.

There is a gap of more than 1050 million in income and expenditure.

Even if the Heavenly Lu Zong and other sects of Daqin are currently copied and obtained more than 3000 million taels of silver, there are only more than 1000 million taels left, and it is impossible to maintain the country's operation for a long time.

There will no longer be sects in Daqin, and His Majesty will confiscate a large amount of silver every year. "

The prime minister was worried. If such a large financial gap could not be made up, there would be big troubles.

Sima Yi, as the head of the Qin court, knew all kinds of expenses such as the financial situation like the palm of his hand.

A smile appeared on the corner of Ying Zheng's mouth when he heard the sound, "Zhong Da, this is exactly the purpose of keeping you here."

"Your Majesty, I don't know the fairy art of turning stone into gold, and I can't convert tens of millions of taels of silver every year to fill this big hole!" Sima Yi said.

King Qin said: "Zhongda, you see that sweet potatoes will be popularized in Daqin next year, and when the grain production increases, we can get a part of the tax from it;
After the Bashu rebellion is put down, the tax revenue will definitely increase;
If Dujiangyan is completed, Sichuan and Sichuan will become a land of abundance, and the food and wages will definitely increase a lot;

What's more, within two years, the widow will definitely destroy the Quanrong Kingdom. By then, the cost of purchasing a large number of good horses will be saved, and the expenditure on heavy cavalry will also be reduced;

Then the widows can fully deal with the 36 powerful families.

36 The Hao Family is a big fat pig, richer than the Great Qin Sect, as long as it is slaughtered, the widow's treasury will be filled to the brim again. "

"Your Majesty, since you have such a plan, as long as you don't wantonly expand your army and don't launch super projects like Dujiangyan in recent years, you can maintain it." Sima Yi said truthfully.

What His Majesty said, he had already thought about it, just waiting for His Majesty to say it himself.

Ying Zheng shook his head: "If you want to conquer the world, sweep the East, and establish the Great Qin Empire, you must expand your army. In addition, the super water conservancy project must continue to be repaired."

Sima Yi was silent for a while, then said: "Then your majesty must think of a new way to increase taxes and money. As for increasing the people's land tax burden, I think it's better for your majesty not to do it. The taxes in Daqin are not low now. .”

The King of Qin nodded, and said: "I will not increase the land tax for ordinary people. I already have other ways to make money."

"Your Majesty, what's your best idea?" Sima Yi said.

Ying Zheng picked up four scrolls of bamboo slips: "Zhongda, the answers are all inside, take a look."

"promise!"

Sima Yi took the four volumes of bamboo slips with curiosity on his face, opened the first volume, and read it carefully.

"Build the Great Qin Bank and connect the world to make huge profits..."

After Sima Yi read the first scroll of bamboo slips, his calm face showed a look of extreme shock, and his hands couldn't help shaking with excitement.

His Majesty asked the Daqin Royal Court to establish the Daqin Bank, and then open bank branches in various counties and counties within the Qin State, absorbing money from merchants and common people into it.

In this way, a big Qin bank collects all the money in the world.

The main businesses of the bank include storage, exchange, lending, and banknotes.

[-]. Storage

Common people and merchants can deposit money into the Daqin bank.

The time is divided into three months, half a year, one year, two years, three years, and five years. There is interest. The longer the deposit, the higher the interest, but it can only be withdrawn when the deadline is reached.

Ordinary people have some spare cash, so it is naturally the best choice to deposit it in a bank for profit.

[-]. Exchange

Silver and copper coins are very heavy. If they are in large quantities, it is extremely inconvenient to transport them. They are easy to be stolen or even robbed if they are carried around. It is much more convenient and safer to exchange them for money orders.

Common people and businessmen can exchange Wenyin in various banks with only one bank note, saving a lot of trouble.

Of course, the Daqin Bank will charge a certain handling fee, but this handling fee is much cheaper and safer than merchants transporting silver over long distances and hiring bodyguards.

There is a special password on each exchange bank note, and the person who holds the money order can only exchange the silver taels by bringing the money order and reporting the exact password code.

[-]. Borrowing
The Daqin Bank can lend the money deposited in it to merchants and individuals in need at a higher interest rate than deposits to earn interest.

This is the most profitable place for Daqin Bank, which can create huge profits for the bank.

Of course, there is a set of strict review system for borrowers.

Ying Zheng wrote clearly and plainly on the bamboo slips.

[-]. Precious banknotes

Precious banknotes are paper currency. Of course, this point will be gradually implemented in the future. No matter ordinary people or merchants, they will definitely not accept or believe in precious banknotes in a short time.

After all, they have always used real money, and suddenly a piece of paper is banknotes, and they cannot accept it.

Of course, in order to issue banknotes, it is necessary to invent papermaking.

If the treasure banknotes can be issued in large quantities and accepted by the people and merchants, the Qin royal family will not have to worry about the problem of insufficient money in the future.

It can be said that Yingzheng's bank plan is a great invention beyond the current time and space.

As smart as Sima Yi, he saw the extraordinaryness of this bank at a glance, especially the last treasure.

Sima Yi was so excited and lost his composure.

He stared blankly at Ying Zheng, his eyes full of shock and admiration.

After a while, Sima Yi came back to his senses, fell to his knees with a thump, and shouted: "Your Majesty is really a god who came into the world. With His Majesty in the Great Qin Dynasty, he will definitely sweep the world and establish an unprecedented empire! Long live Your Majesty Long live long live!"

What Sima Yi said came from the bottom of his heart.

He has always thought that he is as intelligent as a monster, but now, compared with His Majesty, he is simply the light of the firefly, while His Majesty is the great sun shining brightly all over the world.

"Okay, don't flatter your horse, get up!" Ying Zheng laughed.

Sima Yi stood up and said, "Your Majesty, every word you say is from the bottom of your heart, and it's definitely not a flattery!"

"Then what do you think of Daqin Bank's proposal?" Ying Zheng said.

"Your Majesty, this proposal is excellent!"

Ying Zheng nodded: "The establishment of the Daqin Bank will be given to you with full power, and 1000 million taels will be temporarily allocated from the treasury for you as the initial capital."

"No!" Sima Yi said respectfully.

He continued to look at other scrolls of bamboo slips.

At this moment, the voice of the cold system sounded in Yingzheng's mind: "Ding dong! Congratulations to the host for triggering the side mission: to open the Daqin Bank, which will be opened in all counties and counties within the Qin State. Completing the mission will give you rewards (unknown)."

(End of this chapter)