180 The outbreak of the Ming financial crisis (2/2 for the head of Han Leyutang)

Another point is that it is impossible for ordinary people to have silver tickets, because they usually use copper coins. One tael of silver is a thousand copper coins. Even if you have silver, you won't exchange it for a silver ticket. For them, silver tickets are far less reassuring than silver.

Therefore, the silver ticket is only available to the royal family, civil and military generals, and businessmen who have done relatively large business. And even if these businessmen have a big business, there must be officialdom behind them, otherwise it is impossible to become big.

I have to say that Jin merchants do business. Although they don't know the country and the nation, they know their personal reputation, so the money bank they run is not only large-scale, but also has a large number of silver tickets, and its influence is greater.

In the past, it was Cheng Guogong and others who were involved in the case of rebellion, which was a shocking case. Therefore, they were frightened, and no one dared to jump out at the first time.

Now that Cheng Guogong and others have been exterminated for a period of time, and have experienced great victories and other things, this limelight feels a bit over, and the Jin merchants behind them sent people to instigate it, and suddenly all kinds of channels and ways began to break out.

No, Emperor Chongzhen's sister-in-law, the empress of Emperor Tianqi, and now Empress Yi'an all sent people to Emperor Chongzhen, saying that they had something to discuss.

This Empress Yi'an has a great contribution to Emperor Chongzhen's accession to the throne as emperor and taking over Zhu Youxiao's position. Therefore, she sent someone over, and Emperor Chongzhen had to go over no matter what.

When Empress Yi'an saw him, she said straight to the point: "These days, there are some familiar women outside the palace who heard that the palace is nervous, and they are worried that the slave family will not have enough money, so they sent some silver tickets over, and the amount is quite a lot, a total of three thousand taels before and after. Slaves don't really need to spend money. The emperor will use all these silver tickets. ”

Speaking of this, she showed a hint of a smile, and without waiting for Emperor Chongzhen to speak, she said again: "Originally, this amount of money, the slave family wanted to send it to the queen. But they said that recently, the Ming Dynasty actually won the Jianyu. This has never happened before. The slave family was very happy when they heard it, and they wanted to meet the emperor. ”

Speaking of this, she sighed with emotion: "Back then, the emperor had no choice but to build a captive, and it has always been a pity that he was taken by the captive. Now that the emperor knows, he should be glad that he didn't see the wrong person at the beginning! ”

Hearing this, Emperor Chongzhen immediately understood that someone had taken advantage of Empress Yi'an to test the emperor's attitude towards the silver ticket. At this time, he dared to guarantee that the silver tickets in the hands of Empress Yi'an were definitely Fan Ji money banks, not those of other money banks.

"Sister-in-law don't worry, although Daming is an eventful time." Emperor Chongzhen replied respectfully, "But I am confident that it will only get better and better in the future, Liaodong Jianyu is just a big talk, I have already made arrangements, and he will definitely let the imperial sister-in-law see the day when Liaodong Jianyu will perish." ”

For Empress Yi'an, there are emotional factors of the original Emperor Chongzhen, as well as his impressions from later generations, so he still respects her very much.

Hearing this, Empress Yi'an couldn't help but look at Emperor Chongzhen seriously, and she couldn't understand in her heart, is the emperor proud or is he really sure? But when she saw Emperor Chongzhen's confident eyes and remained humble in front of her, she chose to believe in the emperor.

When she got this conclusion, she couldn't help but be very pleased, so she asked the palace maid serving on the side to present the silver ticket to the emperor.

Emperor Chongzhen took it, flipped it a little, and found that as expected, all these silver tickets were the silver tickets of Fan Ji Qianzhuang.

He had already made up his mind that he would take advantage of this incident to nationalize the authority to print money, even if it was just monetary certificates. Therefore, after looking at the silver tickets in hand, he said solemnly: "The imperial sister-in-law doesn't know that the money bank to which these silver tickets belong has been arrested by me because of suspicion of collusion with the palace, and the money bank has been seized. These silver tickets are actually a piece of waste paper. ”

The case of such a sensational plot against the prince before, even if Empress Yi'an doesn't care about foreign affairs, this is also heard of. At this time, when she heard that she was suspected of colluding with the uterus, she frowned. Originally, she was very disgusted with this kind of thing. It can even be said that she is also one of the victims of this kind of thing.

Therefore, she quickly said to Emperor Chongzhen: "Since this is the case, then the emperor will look at it, this collusion in the palace, things can be big or small, and the emperor should be cautious first." ”

The implication is nothing more than a serious estimate.

Emperor Chongzhen nodded, and after chatting a few words, he resigned to deal with government affairs. He estimated that his attitude towards this silver ticket spread outside the palace, and he would definitely have the next reaction.

He really didn't expect it wrong, and in the afternoon, he received a concert, which was jointly played by the Criminal Department, Dali Temple and the Metropolitan Procuratorate, saying that the previous case of Fan Ji Qianzhuang colluding with the palace asked the emperor to order the three law divisions to be tried, if there is a rebellion, it should be punished heavily, if it is just ordinary business dealings, there should also be a decision.

In response to this, Emperor Chongzhen just smiled coldly, and approved it on the chapter, and the brocade guard interrogated.

If there is a suspicion of rebellion, it is generally dealt with by Jinyiwei. Of course, sometimes, it will also be the triage of the three law divisions, and the factory guards will observe.

Seeing the emperor's reply, another piece of music came up. said that a mere money bank, if there are no soldiers, it is just a businessman, not enough to do something rebellious, and asked the emperor to send it to the three law divisions for trial.

In this regard, Emperor Chongzhen replied again, if there is money, there are soldiers, and the previous case of rebellion was caused by money moving people's hearts, how can it be guaranteed that businessmen will not commit rebellion?

In this way, those civil officials saw that the emperor was suspected of rebellion, which means that they must ask Fan Ji Qianzhuang, then they can't compete with the emperor, so they will go straight to the point.

First, the emperor's relatives and nobles came forward and wrote to the emperor to intercede, saying that it was rare for their family to have a little money, which was stored in Fan Ji Qianzhuang, and now Fan Ji Qianzhuang was sealed, and even their money was also sealed. There were silver tickets as proof, asking the emperor to return their money. Basically, it can be said that everyone in the Xungui group has a share, even Zhou Kui, who is grounded in his own house, also has a book. Because it is true that he has the silver ticket of Fan Ji Qian Zhuang in his hand.

Then, the yamen of the Beijing division also played one after another, saying that they also had the silver tickets of Fan Ji Qian Zhuang in their hands, which were the belongings that had been accumulated with great difficulty, and the imperial court could not issue them in time.

This time, even the many imperial histories of the Imperial Inspectorate, who pride themselves on being honest, also played one after another, crying poor, while taking out hundreds of thousands of silver tickets to ask for silver.

They have seized a foothold, that is, the imperial court often owes the money, and even if it is issued, the money will often have to be discounted. If you want to lose more family wealth, your family will starve to death, and you will not be able to work.

If it was just one or two people, it is estimated that no one would dare to face the current emperor. But now there are many people, almost the entire Xungui group, as well as the civil and military officials of the Beijing Division, this is the representative of the law does not blame the public, no matter how much your emperor hates Fan Ji Qianzhuang, but you have to give an explanation for their demands, right?

All of a sudden, all the work of the various yamen in Beijing was almost stagnant, and everyone was discussing this matter. Regardless of whether they are officials or officials, whoever does not have a silver ticket in their hands is related to their own interests, and with adults and nobles taking the lead, they will naturally make a fuss. If you are not qualified to go to the book, you will talk about it everywhere!

As a result, even the merchants of Jingshi joined the discussion. They are also worried, even if the silver ticket in their hands is not Fan Ji Money, if this money bank is also confiscated by the government, then they will lose all their money.

Not only to discuss, but for the sake of safety, at the beginning, a small number of people with flexible brains hurried to exchange the silver tickets in their hands back for silver. As soon as the news spread, others joined the bandwagon. As a result, there was a large-scale silver ticket cashing dynasty in Jingshi immediately.

As a result, a large-scale run on money banks suddenly broke out violently.

Who would have thought that other money banks in the capital would encounter large-scale redemptions. Whoever doesn't secretly print more silver tickets to use it has always been fine.

None of the money banks were prepared in advance, but on the first day, some smaller money banks were blown up and could not be exchanged for silver.

Silver is not a copper coin, but a large amount of money. And those who hold silver tickets are generally more or less powerful, and when they see that the money bank can't redeem the silver, they immediately get anxious, no matter what the money bank explains to mobilize the silver over, or what to wait for two days, they all start to smash and loot angrily. Even if there are people behind the backs of many money banks, it is useless.

Jingshi's money bank, under the circumstances that no one expected, was all in chaos all of a sudden!

The people's hearts were in a panic, even more terrifying than the Manchu army wreaking havoc in the pass.

Emperor Chongzhen originally thought that they hadn't made enough trouble, and wanted the factory guards to secretly collect some examples of small money banks running away, and wait to talk about it later. But when he heard about those things outside the palace, he was really a little surprised.

From this, he remembered a financial crisis in later generations, which was triggered by subprime loans, and immediately after the collapse on the other side of the Pacific, it swept the world in a very short period of time. Thinking of the financial crisis of the Ming Dynasty, Emperor Chongzhen had to sigh, this involves money, it is really necessary to be cautious, once it is out of control, the consequences are very serious.

But at this time, Emperor Chongzhen was relaxed. After a day of trouble outside, Emperor Chongzhen held an expanded court meeting, which was specifically to discuss the money crisis.

After the salute, looking at the very concerned eyes of the courtiers below, Emperor Chongzhen said straight to the point: "I have already heard about the matter of Qianzhuang. Since this silver ticket is so harmful, I ordered it to be forbidden, how about it? ”

When the ministers heard the "......", they couldn't help but be speechless. The emperor handled it so roughly, it seems to be too capricious, right?

Shoufu Xue Guoguan coughed, and said: "Your Majesty, Weichen thinks that the silver ticket does have a lot of convenience, and it is good for the people's livelihood and people, if it is only sealed because of today's incident, it is a little inappropriate!" ”

Needless to say, a businessman who does a big deal goes out to negotiate a business and has to transport a large cart of silver, which is not only a thief, but also too inconvenient. Even these officials, who usually give and accept bribes, and receive dozens of hundreds of taels of silver sent around, are not sinking to death, and they are not convenient to carry.

Therefore, after hearing Xue Guoguan's words, there was a rare phenomenon that had never been seen before. The vast majority of officials, including Yang Sichang and others, immediately came out and seconded Xue Guoguan's opinion.

Emperor Chongzhen saw that they were in a hurry, and he was happy in his heart, and immediately waved his hands and said: "Since this is the case, it is impossible to avoid the matter of this money village now, what should I do if Zhuqing has a loss at that time?" For those merchants who open money banks, I can order the house to compensate for the loss of Zhu Qing, but what if this is not enough? ”

Hearing this, these courtiers forgot to defend for a while that it was not their own business, but the people's business. One by one, they all thought about the question raised by Emperor Chongzhen, indeed, if this thing is not done well, there will definitely be something, so what should I do?

These civil officials in the temple were all born in the books of sages, but it was the first time they had encountered such economic problems. If it was the presence of businessmen, it would probably be a little better than them. But in any case, in this era, the prevention of financial crises is basically still in its infancy.

Seeing that there was no sound in the hall, Emperor Chongzhen turned his head to look at Xue Guoguan and glanced over.

As soon as Xue Guoguan saw it, he got the hint, and immediately spoke again: "The sage is none other than Your Majesty, such a major event, I don't know if Your Majesty can have a will, can you have the best of both worlds?" ”

There are some words, only Xue Manzi asks, and others will not doubt it. After all, his mouth is famous.

Now that they heard him ask the emperor like this, the other civil officials couldn't help but look over, and they hoped that the emperor could really have a way to solve it! However, if this kind of thing seems to be unsolvable, if there is a silver ticket, then there must be a money bank, so who can guarantee that the money bank will not be greedy to print more silver tickets, and some of these silver tickets will become waste paper?

Who knew that Emperor Chongzhen listened, as if after thinking about it slightly, he nodded and said: "I do have an idea that can solve the current problem of silver tickets in Jingshi!" ”

Hearing this, the full hall of civil and military almost all looked at Emperor Chongzhen with incredible eyes, they didn't expect that the emperor really had to have a way?

So, no matter what the method was, one by one the civil officials followed, and the sycophant frenzy suddenly broke out.

For this, Emperor Chongzhen accepted it calmly, after all, he was four or five hundred years ahead of your knowledge, and there are some things that you find difficult, but for future generations, it is just common sense. Today, I will be so many years in advance, so I will popularize this common sense for you.

Thinking so, after waiting for a while, he stretched out his hand to quiet the hall.