"Absolutely." Wei Bao waved the Heaven and Earth Society currency in his hand, and replied affirmatively: "The key is to take this first step, I have completely repaired Zhang Juzheng's change method, and one move will make up for all the shortcomings in Zhang Juzheng's change method!" Zhang Juzheng changed the law, and what he lacked the most was this banknote. ”

Wei Bao smiled confidently, that smile was a little charming, which made Zhang Meiyuan's face blush, and she turned away from the gaze that was looking at Wei Bao.

Zhang Weixian looked at his daughter and then at Wei Bao, secretly happy in his heart, but he was not in a hurry to say anything about his daughter and Wei Bao.

"Xiaobao, can your change increase the income of the imperial court?" Zhang Weixian asked.

"Naturally." Wei Bao said: "It's enough to rely on the kind of banknotes you see." With money, reduce the number of troops and increase the number of troops, and the finances will immediately improve. ”

In the tax policy of the Ming Dynasty, taxes were divided into land tax and industrial and commercial tax, and Tian Fu, as the main body of tax revenue, bears a considerable part of this, so Tian Fu directly determines the amount of tax revenue, and the nature of land use determines how much land can receive Tian Fu.

Ming Taizu Zhu Yuanzhang was self-made, relying on the military tun system to achieve the world, in the Ming Dynasty for the military tun is very important, Zhu Yuanzhang once complacently said to raise a million troops, do not waste a grain of rice of the people.

At first, the military camp did play a great role, but slowly the shortcomings were exposed.

For the army guarding the frontier, 30% of the soldiers defended the city, 70% of the soldiers tuntian, and the inland was 28 kai.

In the early days of Yongle, the military cantonment tax grain accounted for 40% of the total tax grain, which was already very high, and it dropped to 16% in the eighteenth year of Yongle.

Wang Ji, the secretary of the military department, once led the troops in the southwest region, he wrote to the imperial court that Guizhou 20 guards, Tuntian ponds totaled more than 957,600 acres, the collected grains were enough to give the officers and soldiers, and the law of Tuntian was abandoned for a long time, with a false name, the good land was occupied by the officials, and the grains were collected, less than one hundred, and the poor soldiers had no land to cultivate, and their wives were frozen, and people were not happy!

During the period when the eunuch Wang Guizhen was guarding Shaanxi, he occupied more than 100 hectares of the army's tuntian, and nearly 1,000 soldiers of the Ming army guard were forced to farm for him.

After the military tun became the private fertile land of dignitaries, the military war that once cost the people a grain of rice became a straw that crushed the Ming Dynasty.

The "Three Great Expeditions of Wanli" cost 7 million taels for the battle of aid to Korea alone, 2 million taels for the battle of Ningxia, and at least 2 million taels for the battle of Zhuozhou.

Later, the Liaodong War and the domestic civil uprising all consumed a large amount of military spending.

During the Apocalypse, due to the fact that the military salary could not be paid in time, the mutiny occurred from time to time, and the soldiers demanded the salary and mutinied, and the military guards all over the country, and the internal moths would also corrode this building that had gone through vicissitudes.

"Can you beat a silver note like yours, what's the difference?" Zhang Meiyuan asked: "In the past, there was also a history of printing official tickets, but it didn't last long and it didn't work." ”

"I definitely wouldn't." Wei Bao said confidently: "In the past, the official tickets issued by the imperial court were divided into five types: one tael, three taels, five taels, ten taels, and fifty taels. Anyone who is willing to exchange the official ticket for silver will be allowed to hand over the official ticket in accordance with the regulations of the ministry, and the forgery shall be punished according to the law. On the back of the official ticket of the household department, the pledge is signed in turn in the market circulation. In the past, the varieties of banknotes issued were complex, there were official banknotes and private banknotes, the official banknotes were issued by the government financial institutions, and the private banknotes were issued by private financial institutions, and the banknotes could be divided into four types: copper money tickets (convertible square hole copper coins), copper dollar bills (convertible copper dollars), silver two bills (convertible silver), and silver dollar bills (convertible silver dollars). The issuance of banknotes began to have treasury silver reserves and banknote certificates. In addition to the official household bills issued by the government, private money numbers and private money stores are also printing banknotes. Among them, private money stores have a variety of names such as money bank, money shop, money shop, silver number, etc., which is a kind of local financial industry. Its main business is to exchange money and print money and silver tickets. It plays the role of cooperating with money making and silver, and playing a role as a means of payment. The printing quality of the silver money bills issued by private money banks was more simple and crude, and the face value and figures were mostly handwritten, and the necessary anti-counterfeiting measures were lacking, which made the currency system at that time even more chaotic. ”

"The biggest advantage of this kind of banknote is that it does not need to be signed and drawn, it is convenient to exchange, the people do not need to go to the bank, they can use the banknote directly when shopping, I use the Tiandihui currency in Liaoxi, which is very convenient, and now it is also popular in Beijing." Wu Sanfu said.

"I'm still used to using silver bills, and I really haven't used such banknotes as Brother Wei." Zhang Zhiji said enviously: "Brother Wei still has the ability to print banknotes, so you can print as much as you want if you don't want to?" ”

"Silver bills are paper money used for circulation, and this kind of paper money has the advantage of being light and portable, and solves the difficulty of carrying silver and gold and other currencies in large quantities, so it is widely used. The silver ticket is actually an exchange voucher issued by the ticket number, and it is not a banknote that is redeemed at sight. There is an exchange fee for the use of silver bills. Silver tickets are used by merchants who buy and sell in large quantities. It avoids the risk of carrying large amounts of cash, is convenient, and costs about the same as carrying large amounts of cash yourself. Ordinary people and officials don't need it. Therefore, there will be no silver tickets with a denomination of hundreds or thousands of taels from the pocket to pay for the money. Even if you take it out to pay, merchants and ordinary people won't accept it. Wei Bao said.

"The most troublesome thing about this kind of banknote is that it is afraid of counterfeiting, the more convenient it is, the easier it is to be forged, once there are a large number of counterfeit banknotes in the world, your money bank will fall, not only poured out, if a large number of people lose their money, the silver saved is lost, and your money bank will have to go to court." Zhang Weixian said.

Wei Bao gave Zhang Weixian a thumbs up, "What Uncle Zhang said is that others don't have counterfeiting technology for banknotes like me!" We will post at the door of each Tiandi firm's money shop how to identify the real money. Look carefully at the currency of the Heaven and Earth Society in your hands. Paper is an important material and technical basis for banknotes. Printing technology and quality level should be reflected in a single piece of banknote. The banknote paper itself has anti-counterfeiting technology, so the banknote paper of our Tiandihui currency is specially manufactured. The raw materials of papermaking are made of cotton, linen and other plants with long fibers as pulp, so that the paper made is smooth and tough, with good stiffness, strong wear resistance, and the long-lasting circulation of fibers is not loose, hairy, and broken. Banknote paper is reticulated and the surface of the paper is coated or calendered. In the papermaking process, some methods are also used to make the paper have certain characteristics to clearly distinguish it from other papers. When the pulp is made through the copper wire mesh to make paper, according to the different shades of the copper wire, the paper presents different thicknesses or depressions, that is, the watermark of various portrait graphics is formed. The position of the watermark on the banknote paper is not the same, and it can be divided into a fixed position watermark, that is, a watermark made at a fixed position on the banknote. A semi-fixed position watermark is made on a certain part of the ticket face and presents a continuous watermark. There are also watermarks that are not fixed, such as watermarks on the entire banknote. In terms of process, it is difficult to fix the portrait watermark technology. These watermarks are visible and visible, and the characters are vivid and realistic, with a strong sense of three-dimensionality. The watermark line pattern of the banknote has a rich black and white layer, and it is placed in a fixed position with high precision, showing a good anti-counterfeiting effect. When making paper, the pulp is mixed with colored fiber filaments and small garden pieces. There are also paper filaments that are sprinkled on the paper surface before the paper is shaped, and the paper with the characteristics of filaments and color dots is formed. Colored filaments are reflected in the thickness and length of various banknote papers, some can be seen with the naked eye, some need to use a magnifying glass, and some can be seen on the front and back of the same filament. Patterning technology is a special technology that uses special means to make different special textures for layout components such as background color, text, pattern, and image. It can play both anti-counterfeiting and decorative roles. Since it cannot be reproducible, it cannot be scanned into the original image and cannot be counterfeited. ”

was said by Wei Bao, Zhang Weixian, Zhang Zhiji and Zhang Meiyuan all picked up the banknotes and looked at them carefully, and even Wu Sanfu picked up the banknotes and looked at them carefully.

"There is really a watermark, there is a faint human head here, ah, this is the human head of Wei Gongzi, right?" Zhang Meiyuan seemed to have discovered something special, and was very curious, always looking at the banknotes, and looking at Wei Bao from time to time.

Wei Bao smiled slightly: "Our banknotes, there are more than ten watermarks, not to mention that our banknotes paper can not be imitated by others, our watermarks and the fiber filaments used in banknotes are impossible to imitate in this era." ”

"Xiaobao, that's a bit big, isn't it? As far as I know, anything that can make a high profit, other craftsmen will try to imitate it, how can it not be imitated? It's just a matter of time. Zhang Weixian said: "I advise you not to be too confident." ”

"Uncle Zhang, it's not that I'm overconfident, our Heaven and Earth Society has been in use for more than a year, when have you ever heard that the currency of the Heaven and Earth Society has been imitated? If others had this technology, all the money banks in our Heaven and Earth Society would have closed down a long time ago. If we hadn't had banknotes that couldn't be imitated, we wouldn't have developed so fast. Wei Bao laughed.

Wei Bao is not wrong, banknotes are definitely one of the biggest magic weapons for the outward expansion of the Tiandi firm, although the influence of the Tiandihui firm in Daming finance may not even be one percent, basically in Jiangbei, and there is no influence in the south of the Yangtze River, but there are already a small number of medium-sized merchants who have begun to use the currency of the Tiandihui for circulation, especially those who have a cooperative relationship with the Tiandihui firm.

At first, they only used a small amount of the currency of the Heaven and Earth Society on a tentative basis, but later found that not only the currency of the Heaven and Earth Society was reputable and easy to use, but also the currency of the Heaven and Earth Society was more valuable than the equivalent of gold and silver on the market and could be exchanged at any time, so more and more people used the currency of the Heaven and Earth Society.

"I can testify to this, Uncle Zhang can go to Liaoxi and Liaodong to have a look, outside the Guan, the currency of the Tiandihui has basically replaced gold and silver, it is very convenient to buy things in Liaoxi, everyone recognizes the currency of the Tiandihui, and even our Wu family has used this Tiandihui currency for trading. Hehe, the silver and gold have flowed into the hands of the Heaven and Earth Society. Wu Sanfu said with a smile.

When Zhang Weixian heard this, he looked at Wei Bao with deep meaning: "It's too risky for me to dare to print banknotes with a bank, not to mention anything else, once the court bans your banknote, can your banknotes not depreciate, and also, your excessive printing will also cause the banknotes to depreciate, as long as they depreciate, your banknotes will be ruined." ”

Wei Bao couldn't help but give Zhang Weixian another thumbs up, "Uncle Zhang really understands." Neither of these points you said is a big deal. First of all, we will not over-issue, because we Tiandihui Qianzhuang has sufficient gold and silver reserves, and the number of each issuance is limited, you see that last time Shandong governor Li Jingbai, Shandong general soldier Liu Yang'ao contacted so many powerful merchants to run on us together, and even the Jin merchants were dispatched, how about it, isn't it still squeezing us? This is still the beginning, as the Tiandihui Money Village gradually gains a firm foothold, it is impossible for other merchants to squeeze us. Speaking of the seizure of the imperial court, as long as I am fine, Tiandihui Qianzhuang will be fine. To say something taboo, Your Majesty has already given me Weijiazhuang, as long as I have something to run to Weijiazhuang, as long as Weijiazhuang is not exterminated, no matter how much heaven and earth will be currency outside, it can still operate normally! Now Tianjin Wei's Haiphong Qianzhuang is jointly established by the Haiphong Governor Yamen and the Tiandihui Qianzhuang, which can only be more secure! ”

Zhang Weixian had nothing to say.

Zhang Zhiji said happily: "Brother Wei, in this way, when the time comes, you will let Haiphong Qianzhuang take the silver to pay the soldiers of Liaodong, right?" In that case, you will not be holding a handle to make meritorious service in Liaodong. ”

Wei Bao said with a smile: "I won't take out the silver, if the imperial court is short of silver, you can borrow money from Haiphong Bank, but you need a mortgage." A money bank is an independent business, no matter how big the transaction is, it can't stand the toss, it can only get better and better, there is a slight loophole, only can't get in and out, and it will collapse immediately. ”

"Awesome." Zhang Zhiji smiled and nodded: "It's the first time I've heard of someone who dares to do business with the imperial court like this." ”

"I stand upright, all for the good of the Ming Dynasty, and there is no fraud, the Ming Dynasty borrowed money from Haiphong Bank, I can give the lowest interest, there is no money bank on the market that can reach my number and scale!" Wei Bao said confidently: "That's why I have to seek the support of the grandfather of the country, as long as there is the support of the British government, the governor of Haiphong, Yamen, and the Haiphong Qianzhuang can stand firm!" In the future, Haiphong Qianzhuang is the biggest backing of the Ming Dynasty, whether it is to help the victims or the border army is short of money, you can find my Haiphong Qianzhuang to borrow. ”

"Xiaobao, don't borrow it until the end, the Ming Dynasty has borrowed it from your pocket, right?" Zhang Weixian said a meaningful sentence, "Moreover, aren't you afraid that when the Ming court still pays off the money, the royal family and the imperial court may also cheat?" ”

"Don't worry, because Haiphong Qianzhuang is part of the Ming Dynasty, if Haiphong Qianzhuang collapses, the Ming Dynasty will collapse earlier, just imagine, all the currency circulating in the market is the currency of the Heaven and Earth Society, does the imperial court dare to let this currency collapse? It was worse than a famine. Wei Bao said confidently.

Zhang Weixian thought about it, Wei Bao said it well, and couldn't help but admire: "If it weren't for seeing it with your own eyes, if it wasn't for Xiaobao to explain it to the old man yourself, the old man wouldn't have thought of it, these things were actually thought up by a fifteen-year-old person, admire, admire." Come, old man toasts you! You don't need to go to Your Majesty, tomorrow the old man will personally enter the palace to face the saint! ”

"Thank you, uncle!" Wei Bao raised his wine glass in return without humility or arrogance.

The British Duke Zhang Weixian usually does not have to go to court, so the British Duke personally faces the saint, which is definitely a big deal!

It is difficult to see the emperor, and it is also very difficult to see the British public Zhang Weixian, and the emperor and the British public Zhang Weixian meet each other, which is even more rare once a year.

"If Jingying lends you 10,000 pieces of equipment to the Yamen, the governor of Haiphong, can I go and have a look? I can change into men's clothes, I won't be noticed, and I won't interfere with your errands. Zhang Meiyuan said.

Wei Bao was stunned and looked at Zhang Weixian.

Zhang Weixian was also heartbroken, and he didn't expect his daughter to make this request.

However, Zhang Weixian felt that this was a good thing, on the one hand, his daughter could have more contact with Wei Bao and cultivate more feelings, and on the other hand, she could also monitor what Wei Bao was going to do. Wei Bao refused to let the generals of the Beijing camp participate, his own daughter, Wei Bao can't say anything, right?

"If Meiyuan wants to learn more from Xiaobao, it is not a good thing. My daughter is used to being pampered by me, and I hope that someone can cure her. Zhang Weixian smiled.

"Dad, when did I get spoiled by arrogance?" Zhang Meiyuan couldn't help but snort.

Wei Bao is not afraid that a girl can make any twists and turns, in Wei Bao's opinion, Zhang Meiyuan must not be able to surpass Wu Xuexia, isn't Wu Xuexia obedient by her side? smiled and said: "In this case, it is better to be respectful than to obey my fate, but I am running around on weekdays, and I am afraid that I will not take good care of Miss Zhang and neglect Miss Zhang." ”

"It's okay, I'll go and see it too, it's really interesting to play with Xiaobao." Zhang Zhiji smiled and said: "Xiaobao, by the way, can you buy shares in your Haiphong bank?" If I can, I'd like to buy a share, how about it? ”

Zhang Zhiji said this, which made Zhang Weixian's eyebrows raise again, and secretly praised his son for being sensible, which is an excellent idea.

Wei Bao smiled slightly, he was not afraid that someone would want to buy shares in his own business, and the Zhang family was not the first dignitary to have such thoughts, even Wei Zhongxian and Fu Yingxing had hinted at their intentions in this regard.

However, Wei Bao resolutely refused, "There are too many people who are not good at this kind of thing." The shares are small, and they can't speak at all, and they can't touch the core accounts. If the shares are too large, there will be many doors, and it will definitely be chaotic. If the Zhang family is interested, I can ask the Zhang family to give a dark share, in order to show respect for the grandfather of the country, the British government can take a dry share from our Haiphong bank every year, I don't know what the grandfather and the prince of the world think? ”

Wei Bao's words are extremely beautiful, extremely atmospheric, and extremely open, all of them are clear and clear, neither fooling you, but giving you money for nothing, no one can refuse, let alone be angry.

Zhang Weixian was also very atmospheric, and said directly: "He just said casually, as long as it is for the good of the Ming Dynasty and can help, he will definitely help, and he will not want to do it, otherwise others will know about it, and they will think that there is something boring." Xiaobao is now in a very righteous brotherly relationship, they are all a family, don't talk too much about silver, talk about silver, hurt feelings. ”

Wei Bao couldn't help but look up at Zhang Weixian, there was silver pushed out, this was the first time he had encountered it, he didn't believe that Zhang Weixian didn't like silver.

However, Wei Bao figured it out in a blink of an eye, it was still Zhang Weixian, who was clever, what did he say to eat dry stocks, if he helped this time, he would have to pay a tribute to the British government in the future! Isn't it all the same?

Receiving gifts for the New Year and festivals is justifiable in this era, and it is much better than eating dry stocks.

Wei Bao didn't say anything.

Zhang Weixian asked casually again: "I don't know if Xiao Poke has an intention?" Which girl are you married? Xiao Baosheng is a talent, and has great intelligence, and now he is deeply appreciated by His Majesty, and he is really a good candidate for a son-in-law in the Ming Dynasty. ”

Wei Bao and Zhang Meiyuan's hearts bulged at the same time, Zhang Meiyuan's pink face instantly turned red, she didn't expect her father to speak so directly, not to mention, he said such things in front of her.

Wu Sanfu and Zhang Zhiji are also smart people, obedient and obedient, and immediately heard Zhang Weixian's intentions, and the two of them looked at Wei Bao together, both wanting to see how Wei Bao would reply.

Wei Bao was a little unhappy that the other party asked this question, asked so directly, and asked so at the critical moment when he asked for help, but he didn't dare to show it.

This is a bit of a suspicion of being overpowering.

Although Zhang Meiyuan's beauty is moving, and her family background is extremely noble, to put it mildly, Zhang Meiyuan's family background is really better than that of the royal princess.

Why?

Because if you marry a princess, you can't be an official in the Ming Dynasty, and you can't do business with your face, but the control of the horse in the middle and late Ming Dynasty is not as strict as that in the early Ming Dynasty, and the horse family can also do some business.

But just can't be an official, holding the name of a relative of the emperor and the country, this is definitely not what Wei Bao wants.

In fact, Zhu Youxiao had already hinted that he wanted to marry Zhu Huiyuan to Wei Bao as his wife, but Wei Bao pretended to be stupid and prevaricated.

What is Zhu Huiyuan?

Zhu Huiyuan is Princess Le'an, the biological daughter of Zhu Changluo of Mingguangzong, and the sister of Zhu Youxiao and Zhu Youzhen. Born to Concubine Li Kang, her identity is extremely honorable.

But Wei Bao is because of this layer, so he doesn't want to marry Zhu Huiyuan.

Now for Wei Bao, women's beauty is not so important, he values women more to help him in his career!

Let's just say that this Zhang Meiyuan, the daughter of the British duke, looks very suitable for Wei Bao.

But Wei Bao is also not too cold.

Because the family background of the British Duke is too strong, he has caught up with the prince of the Ming Dynasty.

Once he marries such a family, his own official career will definitely be affected.

It is impossible for the imperial court to let the son-in-law of the British duke take power again, in that case, the British duke is already in charge of the Beijing camp, and has both military power and status, and the power is monstrous.

No matter which emperor or court, it is impossible to do this.

Seeing Wei Bao's hesitation, Zhang Weixian was immediately unhappy, and couldn't help but darken his face.

How does the heart say it drops? The daughter of my British duke is unparalleled in beauty, she is a rare beauty in the world, with my family background in the British duke, is she not worthy of you as a young man in the countryside of Liaoxi?

Even if you are born in Tanhualang and now you are deeply favored by the emperor, you are just a disciple of cloth!

The royal family can give you all this, and you can take it back at any time! All right?

Zhang Meiyuan is a very smart girl, seeing her father angry and Wei Bao hesitating, she suddenly felt something, and her arrogant self-esteem was immediately hit.

She never thought that with her talent and background, she would be disliked?

Zhang Meiyuan's beautiful eyes suddenly surged with a mist, the water was misty, it was moving, and everyone was pitiful.

Zhang Zhiji couldn't help but get angry, and he could see what was going on, but his father was here, he was not angry, he glared at Wei Bao angrily, and he was about to open his mouth to accuse at any time.

Wu Sanfu was even more anxious, he never thought that this drinking was so good, the British public Zhang Weixian would throw out such a big topic at once, he was anxious for Wei Bao, and he could understand Wei Bao's difficulties at this time.

Wu Sanfu thought that Wei Bao was ashamed of Wu Xuexia and was in a dilemma, and he was very moved.

However, Wu Sanfu also knows how important it is for Wei Bao to get Zhang Weixian's support this time!

Wu Sanfu is also in a dilemma, as if he is the one who is facing the problem now.

"Uncle Zhang." Wu Sanfu said stiffly.

Zhang Weixian stretched out his hand and interrupted Wu Sanfu's words, "There is no need to say anything, just if the old man didn't say it just now, the old man just casually asked Master Wei if he liked someone, I'm afraid it caused some misunderstanding, and the old man also drank a few more glasses!" Excuse me! ”

Zhang Weixian said that he was going to leave with his sleeves up.

Wei Bao was shocked, and Wu Sanfu was also surprised, but he didn't expect this old man to turn his face when he said that he would turn his face, which was really arrogant.

Wu Sanfu kicked Wei Bao under the table with his foot, meaning that Wei Bao should hurry up and save it, and the matter will be in vain!

Wei Bao sighed, secretly wondering how to redeem it? However, he still stubbornly spoke: "Uncle Zhang asked me if I had a crush?" Is there a marriage? Interested in someone, but not married. And I still have a few people I like, and I blame me for being too preoccupied. ”

As soon as Wei Bao's words came out, Zhang Weixian, Zhang Meiyuan, Zhang Zhiji, and Wu Sanfu were all stunned.

I've seen people with thick skin, but it's really rare to have such thick skin, how old are you?

A fifteen-year-old person, does he actually have several crushes? Are you Ximen Qing?

However, Zhang Weixian's expression eased a lot, and said with a smile: "Haha, Xiaobao, you are very interesting, it is better not to indulge in the affairs of men and women at a young age." However, this can't be blamed entirely on you, after all, you are a young man, and it is when you are in high spirits, and you are loved by women, and there are some things between men and women, and it is not a big deal. As long as you haven't decided on a marriage yet, it's okay. Marrying a wife is a man's top priority, you must choose carefully, Xiaobao, do you understand what I mean?"

What's not to understand about this?

Wei Bao smiled, secretly thinking that you old man changed his face so quickly, and his title changed so quickly!

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