Chapter 554 (2/2)

”Madame Zhao is greedy for anyone's money, nor dare to be greedy for your Majesty's money. I'm afraid it's inconvenient to go to the palace, so I didn't send the money to the palace in time. ”

Vendetta thought, ”you go to her. No, call Gu Jiujin. I want to ask her face-to-face if I have something to say. In addition, please invite the young master's order to the palace and ask him to bring the account book with him. ”

”Yes, old slave!”

The young master's family order was first called into the palace with his account books.

The emperor Wende was polite and called his uncle first. The young master's orders did not dare to respond. He said, ”the king is the king, and the minister is the minister.”

Wende Di didn't force him to ask about the income of the Shao Fu this year.

The home order of the young master turned over the account books and reported everything.

From salt and iron, to Shaofu bank, to Huangzhuang, to minerals, to various industries.

After the General Ledger was reported, Wende Di had a bottom line on his income this year.

”I didn't expect that the annual income of Shaofu bank exceeded the tax revenue of salt and iron. It's no wonder that private private banks are blooming everywhere. It's just because this business is profiteering. Money begets money, and it's easy and quick to get money. ”

Emperor Wende thought about it again, ”now it seems that the bank has a lot to do. It is necessary to extend Shaofu bank to every prefecture and county in Dazhou as soon as possible. We should crack down on private banks by means of thunder and balance private lending interest rates. We can't make our people bankrupt by private banks and sell themselves into slaves. ”

The tax revenue of the imperial court came from the ordinary people and the self-employed peasants, and the official corvee was also borne by these people. Conscription is also collected from these people.

These people are good people.

Once the good people were forced to go bankrupt because of usury, they sold themselves into slaves. Every more slave and maid means that the imperial court has lost a share of tax revenue, a source of conscription, and a person who takes up corvee.

And the big families who bought slaves could squeeze the serfs, mining slaves, textile slaves and all kinds of slaves.

All the wealth created by these slaves fell into the hands of big families, and the court could not get a cent.

The imperial court suffered heavy losses, but the big families created more wealth and became more and more rich because of the slavery. When they go bankrupt, they will increase their wealth by borrowing money.

We will turn the land of the self-employed peasants into farmlands.

The homestead title deed of good people will be turned into shops, forming a real sense of land and real estate monopoly.

In the final analysis, folk usury is to dig the corner of the imperial court, creating more and more poor peasants, bankrupted civilians, refugees and mobs.

In order to solve the problems of the poor peasants, the bankrupted peasants, the vagrants and the disorderly people, the imperial court has to provide money and help.

This formed a vicious cycle.

The tax revenue of the imperial court was less and less, but the places to spend money were more and more.

The rich are rich and the court is poor.

If we go on like this, we will have a big trouble sooner or later.

Fortunately, in the past two years, the business tax of the imperial court has improved. Don't rely on agricultural taxes all year round.

In other words, when the court was short of money, it would not have to raise taxes on farmers again and again.

As long as the government does not increase taxes, the burden on farmers will not increase.

It can be said that commercial tax has slowed down the speed of farmers' bankruptcy to a certain extent.

This is also the fundamental reason why, in recent years, there have been frequent natural disasters everywhere, but no major disturbances have been caused.

The increase of business tax has solved the great social contradictions and enabled farmers to take a breath in the famine years.

Many courtiers, with limited vision, did not realize this.

But the top talents of the imperial court, such as Li Shizhong, realized this a few years ago.

Wende Di also clearly recognized the important role of commercial tax in balancing social contradictions.

Not to mention, he personally participated in it, and had a deeper experience.

He could not help but think back, when did the increase in business tax begin?

It seems that the cooperation between Shaofu and Gu Jiu began.

Since the establishment of the bank, the income of the Shao Fu has increased year by year. It has been able to support the household department easily and reduce the pressure on the Department.

What is more commendable is that there is no usury in the whole capital area.

All private banks lend according to the interest rate of the Shaofu bank, with a monthly interest rate of 1.5%, and no rolling interest or compound interest is allowed.

The income of private banks is naturally much less than that of usury, but they still make money. And they don't have to bear the responsibility of forcing people to die.

If you bite your teeth, do more division of labor, or borrow some from relatives and friends, you can always pay it back.

In the capital area, the atmosphere of the lending industry has become very fresh.

Compared with the usury rampant in the south, the private banks in the capital area are like small and fresh.

But even so, there are still many southern banks to open branches in the capital.

Why?

Since Madame Zhao began to build the gate of the South City, the business in the capital became more and more active.All walks of life, food, clothing, housing and transportation are all driven by a South Gate project.

Like those who burn brick, tile, wood I'm making more money than I did in the past few years.

As businesses become active, so does the lending market.

Even if the monthly interest rate could not exceed 1.5%, it still attracted a large number of private banks from the South and north to rush into the capital to seize the market.