Dusk knows this, of course, but the progress of society requires the emergence of banks.

Said: "Your Majesty, I have carefully considered this matter, some people say that a strong performance of a country is to hide wealth from the people, in fact, it is not unreasonable, the people have money, how can the country have no money, the so-called wealth is hidden from the people, but it is just a superficial statement, the real meaning is that the people have wealth, not the wealth is looted into the treasury, and the people are poor. ”

Zhu Di said angrily: "Did I loot it?" ”

Dusk shook his head, "It's not, but there is a problem at the moment, the mining of copper is limited, and with the various measures of Weichen, the economy of the Ming Dynasty will definitely take off, and when the money is not enough, it will lead to a monetary contraction, in order to alleviate this situation, Your Majesty must increase the issuance of treasure money, but in this way, it is to loot the people's fat and people's ointment." ”

Of course, Zhu Di understands this truth, and everyone in the household department or everyone in the court understands this truth, and said: "Now that Jiaozhi is included in the territory, you can wantonly mine the copper and silver mines in Jiaozhi." ”

Dusk nodded, "What if it's still not enough?" ”

Zhu Di asked rhetorically, "Then what do you do when you feel that it is not enough, let the currency tighten, prices continue to fall, and eventually lead to the collapse of the economy?" Don't you have to issue more treasure money? ”

Dusk smiled, "Then may I ask Your Majesty, what is the value of copper coins, silver, and gold?" ”

Zhu Di was stunned, "Isn't it currency?" ”

Dusk shook his head, "No, they are just a kind of mine, its so-called monetary value is what we attach to it, such as the previous shell coins, and the current Daming treasure banknotes, the reason why it is currency is the value attached to it by people, and its real value is nothing more than an object." ”

Zhu Di was completely at a loss, "Let's talk about the point." ”

Dusk smiled: "Since it is always currency, then in China, can we take a way to weaken the circulation value of copper coins, silver and gold, and strengthen the circulation value of Daming treasure banknotes." ”

Zhu Di understood, "You mean to forcibly promote the Daming treasure banknote?" ”

Dusk smiled: "It's not just a forcible promotion, but to give full play to the function of Daming treasure banknotes as currency, to achieve the day when all transactions are bought and sold with treasure money, and completely become the main body of currency." ”

Zhu Di smiled, "You're still too young." ”

How is this possible?

Not to mention the people's acceptance of treasure money, if treasure money becomes the main body of currency, then after a hundred years, in case the king of the Ming Dynasty is mediocre and has no money, if he is crazy to issue treasure money, the economic collapse will only be a matter of a few years.

Of course, Dusk knew what Zhu Di was worried about, and said seriously: "So, this is the intention of Weichen to ask His Majesty to let the household department or directly build a new national banking department." ”

Zhu Di frowned, "You continue." ”

Dusk said: "The National Bank is responsible for all the affairs of the treasure banknote, the production and design of the treasure banknote, according to the domestic economic situation, the issuance or destruction of the treasure banknote, so as to stabilize prices, to ensure the normal circulation of the treasure banknote as the main body of the currency, which requires a strict law to regulate, and under normal circumstances, the king can not make a single decision on the issuance or destruction of the treasure bank, the need for the national bank of many talents to repeatedly analyze the economic situation, argumentation, and then decide whether to increase or decrease." ”

Zhu Di bowed slightly, a little interesting.

But I was a little unhappy inside.

Because this means the weakening of imperial power, as the Son of Heaven, Zhu Di definitely does not want to see this kind of thing.

Dusk continued: "Your Majesty, there is a specialization in the art industry, even at the moment, aren't these things also managed by the household department, and then after encountering big things, the decision will be made, and then your Majesty will make a decision." ”

Zhu Di nodded slowly, "Let's talk about it." ”

There's a play!

Dusk pressed the joy in his heart and said: "The treasure banknotes currently in use still lack some functions, such as only six grades: one through, five hundred wen, three hundred wen, two hundred wen, and one hundred wen. ”

"And in order to make the treasure banknote really achieve the function of the main body of money, it is also necessary to increase the denomination, according to Weichen's assumption, the treasure banknote should have these denominations: one article, two documents, five letters, ten letters, twenty letters, fifty letters, one hundred letters, two hundred letters, five hundred letters, consistent."

It has always been a thousand Wen, a tael of silver, according to the market price of the Ming Dynasty, more than 600 soft sister coins.

So this amount is not small.

Zhu Di was puzzled, "Why these denominations?" ”

Dusk smiled: "These denominations are the most reasonable combination, which is convenient for various transaction payments and change." ”

Zhu Di asked again: "I can understand what you said, but you can tell me, you asked the Times Commercial Bank to set up a private money bank - what kind of bank, and what is the intention, just to make money?" ”

Dusk shook his head, "Your Majesty asked, Wechen didn't dare to hide it, let's put it bluntly, what really makes the treasure banknote the main body of money is still to rely on the National Bank, and Wechen's bank is indeed profitable, and it is also a weapon that Wechen dedicates to the Ming Dynasty, with this bank, Wechen can gather the idle funds of the powerful people, gather these funds, and give full play to their greatest effect, such as Huawei real estate, if these funds enter, they can run quickly, and those R&D factories established by Wechen, It also requires a lot of capital investment, once the results are achieved, it can make the rapid development of Daming's various processes. ”

Zhu Di gasped, "Aren't you just private fundraising?" ”

Or illegal.

It's just that what Dusk is doing now is to turn this illegal fundraising into a way that conforms to the laws of the Ming Dynasty, and it will also become an industry, which is simply whimsical.

Dusk thought about it, yes, it was indeed fundraising, and said with a smile: "That's true, if Your Majesty sets up a national bank, you can also use the same way as Weichen, with the support of the national bank, Your Majesty can get the money quickly, you know." ”

It's easy to get things done with money.

Don't want money to fight Mobei?

Do you need money to develop the economy and industry?

All for money.

At that time, you Zhu Di will not have to engage in such harsh taxes and miscellaneous taxes in the people, just use the money in the bank, of course, you have to make up for it, instead of wantonly issuing additional treasure money.

Therefore, there must be a corresponding law that regulates the king.

Zhu Di was indeed a little moved.

But there are also many concerns, "Even if I can take money from the national bank, how can I fill it back?" If you can't use it, you can just issue more treasure money, so that the wealth of the people will evaporate, and it is easy to arouse the anger of the people. ”

Dusk smiled and said: "That's right, so how much money Your Majesty takes from the bank, you have to prepare how many copper coins, silver, and gold to the treasury of the National Bank, assum, just assume, your Majesty wants to use money to fight, fought Mobei, and spent tens of millions of dollars, how to fill it?" When the time comes, you can take the gold and silver from Mobei to fill the pit. ”

This is called the Dead Dao Friend Immortal Poor Dao.

To put it more bluntly, this is the plundering of wealth, the plundering of foreign money back to the country, and the capitalist countries are doing this.