348 Retirement system
(Read online.)
Tianqi raised his eyes and looked at the two people introduced by Han Yi. I saw that the man named Wen Tiren was about fifty years old, and there may have been vertical lines between his eyebrows because of the frequent locking, and at first glance he knew that he was a scheming person. Zhou Yanru was only in his thirties, much younger, and although he looked calm, his eyes blinked quickly, and he could see that he was a little nervous but trying to stay calm. Tianqi thought about it and understood that these two people were just a foil, King Xin wanted to promote his two teachers, Huang Zunsu and Qian Qianyi, for fear that others would say something, so Wen Tiren and Zhou Yanru would be pulled in together, but it can also be seen that these two people have some ability, otherwise they would not be able to take their turn.
Han Yi saw that Tianqi was looking at these two people, so he stepped forward and introduced: "These two are Jinshi in the Wanli period, and their ability and knowledge are first-class in the court, and they are promoted to the rank of the government office with a grade that matches their age and does not violate the emperor's will β Zhou Yanru is still the champion of Wanli 41 years, and the moral article is admired by everyone, and the emperor wants to ask about the matter of the Huangzhuang in Liaoxi and the matter of the temporary withholding of insurance money by the big iron company are these two people in charge." β
Apocalypse asked, "Do you feel aggrieved when you take low-grade money to do high-grade affairs?" β
Wen Tiren said: "Back to the emperor, the minister not only did not feel wronged, but also felt very honored! β
Zhou Yanru also said: "The emperor uses age to limit grades among civil officials, and everyone in the court, including ministers, sincerely agrees. β
Tianqi nodded and said, "In that case, please ask Zhou Zhuangyuan to talk about the affairs of the Liaoxi Huangzhuang." β
Zhou Yanru said: "Yes, as far as the ministers know, at the end of the fifth year of the Apocalypse, Li Qiyuan, the head of the household department, owed the ministers to sign and agreed, and exchanged the taxes of all the land east of Shanhaiguan for 20 years in exchange for 7 million taels of silver from the emperor. In order to ensure that the imperial court's taxes took the lead in paying taxes, according to the new tax system, the tax of 10% happened to offset the 10% paid by the military and civilians in Liaoxi, which means that the emperor had no income in Liaoxi for so long. β
After listening to Zhou Yanru's words, everyone was stunned, why didn't they have any income in three years? Tianqi thought about it for a while and understood, he only received one percent of his income and handed over one percent at the same time, and he didn't leave anything behind the empty name of Deng Huangzhuang when he came and went, this is really you don't manage your money and ignore you, it seems that this western Liaoning region really has to deal with it well.
Seeing that the apocalypse didn't say anything, Zhou Yanru continued: "This year, the Military Affairs Yuan once sent a document to me, saying that after the establishment of the Northeast Military Region, the garrison troops and field troops will be allocated by the imperial court, and the original situation of integrating the military and the people in western Liaoning will change. The household department wanted not to let them benefit from both ends, so according to the prevailing tax rate to increase the tax in western Liaoning to 20%, anyway, after the army was separated, the rest were ordinary people and military families, they increased the tax but reduced the burden and no longer had to share the income with others, in general, everyone was more satisfied. β
Tianqi nodded and said, "Half a year has passed since the beginning of the year, so there should be some taxes, right?" β
Zhou Yanru said: "There are some, but because this year's success is not good, so there are not many, and in the process of handing over, Yuan Chonghuan, the governor of the Yuan Dynasty, intercepted by Lord Yuan, he said that after the defense of Liaodong was transferred to him, he needed to train cavalry, and there was no money, so he had to borrow it first for emergencies and grab things from the Jurchens in the future and then return them." β
Tianqi said: "It doesn't matter, as long as he admits the account, I finally ask you a question, excluding the army, how many people are there in Liaoxi now?" Can we continue to send people into farming and grazing? β
Zhou Yanru said: "Excluding the army, there are now 100,000 people between Shanhaiguan and Ningyuan in western Liaoning, and the vast majority of them are family members of military personnel, and they are concentrated in the coastal areas to live in farming and fishing. If the Daling River in the north is the boundary, there is no problem in accommodating more than 100,000 or 200,000 people in the western Liaoning region, and now many places are still idle and no one lives, but there are not many places that can be cultivated, and the problem of grazing is not big, and it takes several years to cultivate the land before it can form a scale. β
Tianqi heard Zhou Yanru say that there was no problem in relocating more than 100,000 people, so he didn't ask him again, turned his head to Wen Tiren and asked: "Is it up to you to cooperate with the affairs of the big iron company to sell and open the mine and start the yard, and finally return it to the Government Council?" β
Wen Tiren said: "Back to the emperor, it used to be Zhu Yanxi and Lord Zhu in charge, and the minister began to take over this year. β
Apocalypse said, "Then tell me if there is any problem." β
Wen Tiren said: "According to the emperor's will, there is a limit on the profit of 20% in business, and the maximum profit of mining and construction is set at 50%, so many businessmen have invested in industry. However, at first they did not understand the emperor's request to forcibly detain 20% of the 50% to the money bank as insurance money, but fortunately they only complained privately and did not do anything else, perhaps related to the fact that the people in Dongchang were supervising them at any time. But after something happened, not only the workers but also the funders were positive about the emperor's insurance system, and only some workers complained that their income was too small. β
Apocalypse said: "Businessmen are trying to make money, as long as they have money to earn and earn more than others, they should be satisfied, if you want to get rich overnight, it was before and now, if you get rich, someone will be poor, which does not meet the needs of national stability." If there is a complaint, although I will allow it, but whoever wants to incite trouble will let him understand that being rich is not the biggest, and Wei Zhongxian's East Factory will make them sober and sober. You said that something happened later that made those people change their minds, what happened? Could it be that the God of Wealth gave them a dream? β
Wen Tiren said: "The God of Wealth gave them a dream and no minister did not know, only related to their family life β, there must be losses and profits in doing business, there have been dozens of losses and bankruptcies in the past two years, according to the previous situation, businessmen do business and lose bankruptcy when the family is ruined, injured people owe money, many people are forced to go away to avoid disasters β when the money under the name of the big iron company and the local government take out the insurance money he saved to deal with the aftermath, many people have avoided the experience of bankruptcy, so these businessmen understand the emperor's painstaking efforts, Expressed agreement with the forcible withholding of 20% of the insurance premiums. β
Hearing this, Han Yi couldn't help but ask, "Why didn't those businessmen save some insurance money by themselves in the past?" In this way, you can also avoid going bankrupt after losing money. β
Tianqi said: "Lord Han doesn't know, people are insatiable, I heard that people who do business actually don't have much money in their hands, and people who can take out a lot of money in their hands are generally misersβ people regard every money around them as a chicken that will lay eggs, and if he doesn't take it out to invest, he will be uncomfortable, and he can't wait to take out his family property as capital, once bankrupt, where is there money to deal with the aftermath?" β
Han Yi nodded and said, "It's still the emperor's sage!" β
Tianqi thought for a while and said to Han Yi and Wen Tiren: "I have an idea, that is, in addition to insuring merchants, I also want to insure ordinary workers, my idea is to deduct some money from the income of workers every year or month, and at the same time take some β of the deducted money from the merchant's insurance money and deposit all the deducted money in the money bank at this stage, and when the workers have worked for a certain number of years, it will be used as their pension, like the old ministers in the Holy Academy, what do you say?" β
When Han Yi was still thinking about it, Wen Tiren applauded: "The emperor's move is very good, it can be said that it is a multi-pronged victory, and the ministers also sincerely admire it when they hear it." β
Seeing that Wen Tiren said that this was a lot of money, Tianqi also praised him for his quick turn, so he asked, "Tell me about it." β
Wen Tiren said: "The first thing is to embody equality, the emperor has been advocating equality in recent years, and the old ministers of the court and the central government are no longer sent back to their hometowns but invited to the holy college to support the elderly, and at the same time supplement their family property and pay for it." If ordinary workers can be allowed to rely on their old age and receive pensions, this will truly reflect equality. β
Tianqi nodded and said: "The previous officials have nothing after retiring, in order to get old and not be desolate in the evening, they will try to make as much money as possible when they are in power, which is not good for the country and the people and themselvesβ after the implementation of the economic inspection system, the road for officials to make money for the elderly has been cut off, at this time we must consider their life after they are old, and they can't always work for the court for most of their lives, and when they are old, they have to ask people to farm and live." Officials are people, people are people, and they will also be old, and giving ordinary people pensions is also to avoid unstable factors. β
Wen Tiren said: "The minister thinks that the second thing is to increase the income of the people, and at the beginning the minister mentioned that there are many workers working in the factory and mine who complain about the lack of income, and part of their pension is the money contributed by the funders, which is equivalent to giving the workers a little bit of evenness, and the workers should be satisfied." β
Apocalypse said: "This silver did not fall from the sky, when you distribute more, he will less, and the workers complain less means that the boss has shared more, and now he should be satisfied with the boss from the boss, but will the boss who contributes in this way have an opinion?" β
Wen Tiren said: "This is the third thing the minister said, the boss generally likes to be familiar with the hands and does not like to be raw, if the pension system is implemented, the workers will not be half-hearted, because according to the emperor, only after a certain number of years can you get a pension and not everyone has it." In this way, the workers will stick to the work and will not change places often, which is also beneficial to the boss. β
Han Yi also nodded at this time and said: "It is nothing for a system to satisfy one party, it is only clever to satisfy both sides or even many parties, the emperor's method is indeed extremely clever, and the minister really admires it!" β
Wen Tiren said: "At first, the minister only said that two parties were satisfied, and one party was satisfied with the minister, and the minister did not say it, this is the fourth thing, that is, all officials and big households, including Lord Han, will be satisfied." β
Han Yi asked, "Why did you hit me again?" β
Wen Tiren said: "Xiaguan has carefully figured out the emperor's will in the past six months, and found that the core of the country's gradual stability in recent years lies in the pricing system after the issuance of silver dollars. β
Han Yi asked, "Where do you start with this?" β
Wen Tiren said: "The stability of the country lies in the internal security of the people and the external imperial cowards, both of which are inseparable from grain and silver; a few years ago, many large businessmen destroyed grain and planted grain, and the country's grain stock was greatly reduced. The common people had no food, but they could only sell their fields and land, and even sell their sons and daughters to sell themselves, and the border army would mutinier even if it lacked food. The emperor implemented the price of one tael of silver equal to one stone of grain, and stipulated that those who had less than a certain amount of grain stored in the warehouse were not allowed to plant mulberry, and also forbade large households to annex land, so that the country could slowly settle down and ordinary people could fill their stomachs. β
Han Yi said: "What you said is right, but what does this have to do with the pension system? β
Wen Tiren said: "The emperor is to set a tael of silver is equal to a stone of grain, but prices are always fluctuating, and silver must be used to stabilize prices, which requires the central bank to have sufficient silver and a rest gold system, that is, to save some of everyone's silver into the bank, and it is to wait for these people to get old before giving, which is equivalent to giving money to the bank in the continuous increase of capital." Now I may not see how much the deposit of these pensions has a big effect on the bank, but I believe that it will be more and more in a few years, and then no one can compare the capital with the money in the name of the big iron company, and Han Daren is also a shareholder of the big iron company, won't Han Daren be satisfied with this? β
Han Yi looked at Wen Tiren and then nodded and said, "I often hear the king praise you for your brain, and it seems that this is really the case today." β
Apocalypse asked, "Is there anything else?" β
Wen Tiren said: "There is the last gain, that is, as soon as this system is implemented, it is equivalent to closely linking everyone together, no one will have two hearts about the Ming Dynasty, because the pension system is everyone's cash cow, no one will think about cutting their own cash cow, and all the people in the world are equivalent to a family." β
Tianqi smiled: "You said that these five things are right, only the last one is the purpose of I came to you todayβ I am going to settle the tens of thousands of Karaqin people who have come over in Liaoxi, I am afraid that they will stir up trouble if they have different intentions for the imperial court, so I decided to find something for them to do in Liaoxi by the way, and implement the pension system, in your words, it is to plant a cash cow β tree, the people of the Ming Dynasty can shake the money from above, and the Karaqin people who have come over can also shake the money, and with the common interests, I believe that no one will stir up trouble, If this continues, I believe that it will not be long before everyone in the world is a family. β