Chapter 33 Issuance of Treasury Bonds

Just when Ma Yun's mind was racing and thinking of a way, someone stepped forward and said: "No money, that's easy to do......"

Ma Yun was overjoyed and looked for prestige, but it was the general Peng Shigao. Visit 78下载 TXT .// I saw Peng Shigao say a little proudly: "King, this matter is easy to do." As long as you make an edict and add some taxes, won't you have silver? ”

Shi Wende heard Peng Shigao say that there was a way, and he felt in his heart that he must have a bad idea. Waiting for Peng Shigao to say anything, Shi Wende glared at Peng Shigao fiercely, if he hadn't secretly thought that he couldn't beat Peng Shigao, it was estimated that Shi Wende would have rushed over and slammed Peng Shigao. Shi Wende hurriedly knelt down and said, "King, General Peng's words are absolutely not advisable. 'D rather...... It is better to use the inner treasury than to increase taxes. ”

Shi Wende is angry to death, this emperor and king are rare animals, although it is a little chaotic now, but there are only 6 in the whole world, to say that this Ming Jun is even more difficult to meet. If you want to make contributions and go down in history, it is far from enough to rely on your own efforts, and the more important thing is whether the master you meet is virtuous. Life is helpless, Shi Wende has lived for more than 50 years, and when he was young, he met a fairly good master - Ma Yin, but unfortunately he was young at the time, he didn't have much experience, his talent was limited, and he was not much used. As soon as he was in a hurry, he said what was in his heart: "King, you should use the money from the inner treasury."

Ma Yun has a bit of a feeling of rushing ducks to the shelves, and now Shi Wende has made it clear that at this time, what should a Dao Mingjun do, of course, he will not hesitate to take the silver out. But Ma Yun's consciousness is not so high, and secondly, he is afraid that these ministers will develop a habit of treating the inner treasury as the treasury and taking it regularly, won't he lose a lot? Ma Yun was forced by Shi Wende like this, and after thinking about it, he really let him come up with a solution.

Ma Yun smiled and said: "The method of 'killing chickens to take eggs, drying up and fishing' is absolutely not advisable. Now the people of Dachu are not rich, and few people know much about it. Ma Yun bragged cheekily and boasted: "As the king of Chu, what is the widow asking for?" Is it money? What the widow asks for is nothing more than a world peace, hoping that the people can live a prosperous and healthy life, and now the taxes borne by the people of Dachu are already quite heavy. Then Ma Yun changed his words and said: "But the widow is also very difficult, although the inner treasury has some silver taels, but after all, it is necessary to reward the heroes, feed the children of the royal family, and honor King Wenzhao, which is also spending money everywhere." The widow could not take out much silver at this time. However, our Dachu is still a wealthy family, and there are many wealthy families. Therefore, the widow thought, can we use the tax as a guarantee to borrow some money from these rich families for the time being? ”

Under the banner of filial piety, Ma Yun did not borrow money, but came up with a new idea. Shi Wende was stunned for a moment, thought for a while, and flatly refused: "The king's idea is good. However, when it comes to implementation, there are many concerns: first, are those wealthy families willing to borrow? What should we do if we can't borrow silver taels? Second, if the officials in charge of borrowing and lending money take this as a political achievement and forcibly apportion it, what should it be? Third, if you just borrow as much as you can repay, then I am afraid that the enthusiasm of the people is not high, if you borrow less and pay more, then how much should you repay? With these few concerns, the minister thought that this would disturb the people in vain and would also make the government lose its trust in the people. Please think twice! ”

Ma Yun is secretly proud of his whimsy, how can he give up because of Shi Wende's words. He sorted out his thoughts a little and said: "Since ancient times, the government has raised more money from rich businessmen and borrowed less. It is often forcibly apportioned, thinking that it is a reason for the country and the people, but it is the fact of extortion, so the government loses its trust with the people. What the widow has done recently is very different from the fundraising in the past, since it is called lending, then the government must return a part of the interest on the loan every year, as for the amount of interest. As he spoke, Ma Yun turned his head to Zhao Pu and said: "For this interest, Zhao Aiqing can refer to the proportion of private lending and formulate an appropriate ratio, that is, not to let the country lose money, and not to hurt the enthusiasm of the people to borrow." ”

Zhao Pu nodded and said: "Wang, in the opinion of the market, the interest rate of mutual borrowing is extremely high, the borrower has 100 coins in a string, and the interest will be repaid between 8 and 10 coins in January. ”

Ma Yun replied directly: "You are right, it is usury, and it must be banned." Well, even if it is not banned, the interest rate must be decided by the government, and from today onwards, all loan interest rates will be set by the government, and the government will strictly investigate loans that exceed the official interest rate. We must not allow the innocent people to be exploited! ”

Shi Wende said with a smile: "King, this is a benevolent policy." From now on, people from poor families will have a better life. It's just that the interest rate on this loan is too low and not very good, so those rich businessmen are probably not willing to borrow. ”

Ma Yun smiled and said: "This is easy to do, our government can set up a bank." Ma Yun looked at it, and Zhao Pu and others, who didn't know what to do, explained: "That's it...... This money bank is specially used to borrow money from the people, and the people can also store it in the money bank when they have surplus money, and the government can pay a small amount of interest on a monthly basis. ”

The more Ma Yun said, the happier he became: "Yes, let's set up a bank to manage lending and deposits, so that the people can put their surplus money in the bank, which is equivalent to lending money to the state." If the people suddenly encounter any natural disasters, they can also ask the bank for a loan, and our government will lend the money directly to the poor people. Ladies and gentlemen, what do you think? ”

There are a lot of people in the hall, but the only people who can interject in this matter are Zhao Pu, Shi Wende, and Wu Ban, Wu Ban is a good man, and he has always felt that whoever is justified will stand on his side.

Shi Wende frowned, obviously thinking about the pros and cons of this matter, while Zhao Pu peeked at Ma Yun's expression, as for Li Xiang, since he became the deputy privy envoy, in order to avoid suspicion, he has never intervened in government affairs.

Shi Wende pondered for a long time and said: "King, this bank matter is a major national policy, and the minister thinks that he should convene Xu, Fan and the officials of the six ministries to discuss it in detail, and it must not be decided in a hurry." But now it has come to the May equinox, as soon as the crops in the field are harvested, they are about to prepare to plant some autumn harvest crops, and the people of Dengzhou Road and Anzhou Road are waiting to be fed, and the minister thinks that this silver should be allocated quickly, otherwise it will affect the autumn harvest, and it will be difficult to survive today's winter. The minister thought that the king should hurry up and temporarily transfer some silver here to solve the urgent need. This irrigation project is the best time to repair in the summer, and it is repaired one day earlier, the sooner the day will be profitable, and Jingxiang will become the granary of my Dachu one day sooner, and Dachu will be rich one day earlier. The old minister asked the king to think twice. Shi Wende saw that Ma Yun was talking about it, and the topic was getting bigger and bigger, so he quickly dragged Ma Yun back, whether to establish a bank or not, he is a local official, and he can't manage it so widely, but if he doesn't give the silver, the impact will be great.

Ma Yun saw that Shi Wende was staring at his money bag, and said with a smile: "Okay, Zhao Aiqing, you draft a decree for the widow, announce it to the world, and in the name of Zhongshu Province, borrow 1 million taels of silver from the whole country, for a period of two years, with a monthly interest of 5 cents, and ...... The interest will be returned at the end of the year, and the principal will be completely returned at the end of the second year. ”

Ma Yun glanced at Shi Wende, who was still kneeling on the ground, and said: "The widow threw bricks and led the jade, and first borrowed 200,000 taels from Zhongshumen Province. A part of the 200,000 taels will be taken out and sent to Jingxiang for overall arrangement. What does Lord Shi think? ”

After Shi Wende kowtowed, he asked, "King, I don't know how many taels of silver you want to draw out?" ”

"One hundred thousand taels." Ma Yun said hesitantly, he saw that Shi Wende had no dissatisfied expression, and hurriedly pressured: "Shi Aiqing, Da Chu is currently in difficulty, these 100,000 taels of silver are not easy to come by, you have to use the money on the blade, you must not squander it indiscriminately." ”

Shi Wende hurriedly fell to the ground and said, "The minister will never live up to the king's expectations." ”

Li Xiang on the side stood up and said: "King, since you have borrowed money from Zhongshu Sect Province, Weichen should also follow suit, and the minister will lend Zhongshu Men Province 10,000 taels of silver." ”

Li Xiang's statement is such a statement, everyone knows that today you have to borrow and borrow, and if you don't borrow, you have to borrow. At the moment, they all knelt down, one by one expressed their willingness to borrow, and the amount of this loan is also particular, basically according to the number set by Li Xiang, if the official rank is about the same, it has to be according to Li Xiang's number, and if the official rank is low, it will be reduced proportionally.

When everyone said this, it was difficult for Shi Wende. Why? First, Shi Wende is honest and honest, and he has no money in his hand, and second, Shi Wende's official is not small at all, the political envoy is an official rank from the second grade, and he is still a political envoy in three places, and all of a sudden, he is embarrassed. Donate more yourself, no money; Donate less, isn't this a disguised statement that colleagues are not honest? He gritted his teeth and just wanted to donate money. Ma Yun smiled and said, "Everyone, what is this doing?" Donating or not donating money is a personal act, and the widow will never interfere. The widow lent 200,000 taels, not because the widow was rich, but because the widow felt that our Da Chu was hopeful, and Da Chu could afford to pay back the widow's money. To put it bluntly, I invested 200,000 yuan today, and by the end of next year, I will recover 220,000 yuan. Ladies and gentlemen, this is not borrowing money, this is making money in business. If you have money to make, why not? ”

Everyone looked at each other, not knowing whether the money they lent was confident enough in Da Chu in the eyes of the king, or was it ...... One by one, they have gained and lost. Some people immediately borrowed more.

In this way, the bank was not established for the time being, and the national debt went to Ma Yun to pay 80,000 taels