Ma Du put down the chopsticks in his hand and said to Lao Zhu with a solemn face: "If the imperial court issues treasure money, does the emperor still plan to take it back?" ”

Lao Zhu shook his head very dryly, "I don't understand." ”

"What Weichen means, if these treasure money are in the hands of the people, can the people use them to pay taxes?"

Lao Zhu frowned and said angrily: "I usually think you are quite clever, why are you confused now, how can I take it back after I finally send it out, when the huge treasury is full of pieces of paper, do you think it is appropriate?" ”

These words made Ma Du speechless, Lao Zhu's thinking is really different from ordinary people, and if he thinks about it carefully, he also thinks that a bunch of insects and rats in the treasury are indeed very unresounding.

"If the emperor doesn't plan to take back the treasure banknotes, he just wants to make up for the deficit in the treasury, then it's better not to issue them, this move will harm the people."

Who knew that Lao Zhu stiffened his neck and said: "I know, but the key is also a harmful businessman, they eat a lot of brains and intestines and make a lot of money, so that I can't die if I let out a little blood!" ”

In fact, the treasure money has little impact on the self-sufficient farmers, and the main damage is the merchants, but the emperor who can say that he robs the people so justifiably, except for Lao Zhu, has no one.

"Then Weichen doesn't have any ideas, and he will retire before the time is too early!"

Ma Du got up and wanted to leave, but the collar was directly hooked by Lao Zhu, "Come back!" Is the queen's own cooking for nothing? Sit down honestly, don't say anything ugly, don't think about leaving today. ”

"It turns out that this is a Hongmen feast! Since the emperor forced Weichen to say, he can only start from the beginning. ”

Ma Du picked up the meal ticket on the table, "Speaking of which, this is just an ordinary piece of paper, usually it is small to wipe the buttocks, but the reason why it can be circulated in the market is because it has the reputation of the academy and the Ma family as a guarantee, and it has no value at all." Only gold, silver and copper are the real currency, it is nothing more than a currency symbol......

When the metal currency required in circulation has been determined, the more treasure banknotes are issued, the less metal money can be represented, and the greater the depreciation of treasure banknotes......

Ma Du poured everything he knew to Lao Zhu, he had not studied the economic foundation, and he also knew a little about it, so Lao Zhu was even more confused, "I don't understand what symbols, currencies, and depreciation you are talking about, so I can't say something easy to understand." ”

Zhu Biao explained: "My uncle's meaning is to issue treasure banknotes according to the amount of gold, silver, and copper coins in circulation on the market, otherwise too many treasure banknotes will become waste paper, and people's dissatisfaction will provoke civil unrest." In the Northern Song Dynasty, there were Jiaozi, because Jiaozipu issued additional Jiaozi and even embezzled treasury silver without authorization, and the Northern Song Dynasty court issued too many Jiaozi due to the military use in the northwest to make it depreciate like waste paper, and the Southern Song Dynasty court issued Huizi was also like this. ”

Lao Zhu patted Zhu Biao's shoulder with relief, "My son knows a lot, and the books over the years have not been read in vain." ”

"What the prince said is that the more prosperous the commerce and trade of the Ming Dynasty, the more people who use the treasure money, the more real money and silver will be in your hands, although the money cannot be used casually by the imperial court, but it can be used to regulate the economy and trade, stabilize prices, and even use policy laws to guide the flow of these money."

"Haha...... Listening to Xuanzhong's meaning, it seems that there are already means, and I know that I will not ask the wrong person. ”

What means can Ma Du have, it is not to copy the future generations to use, he tried his best to explain to Lao Zhu, Lao Zhu still seems to understand, "I still don't understand, how the court can make profits from it, so much money can be used or not, isn't it making people anxious." ”

"Being able to issue legal currency is the greatest means of profit for the imperial court in addition to taxes, not to mention that even the materials for coinage are saved by changing it to pieces of paper. Treasure banknotes can also be issued within a certain range for emergency purposes, as long as the austerity policy can be adopted in a timely manner, there is not much problem, and it must not be regarded as an inexhaustible source of finance. If it can really be implemented, the tax revenue of the imperial court will only increase, and even if there is really no money, you can borrow money from the common people."

The price of cotton cloth plummeted, some people made a lot of money, and some people almost went bankrupt, unfortunately Huang Youcai is the latter. Textile is the main industry in the south of the Yangtze River, but all those who do big business have a little cloth trading, he Huang Youcai is mainly doing cloth trading, and he bought a large number of cotton cloth early to sell to maritime merchants and wait for a big profit.

Originally, it was said that it was good, but the maritime merchant did not come to receive the goods for a long time, and when he figured out the situation, the warehouse full of cotton cloth was destined to smash his hands, and he hated it and only wanted to burn the weaving bureau with a fire.

Why can't this emperor get along with him, he has to move him to Yingtian if he has a good life in Hangzhou, and he has to be scared half to death by the emperor when he finally buys a house, and now even his job will be smashed.

I didn't have the appetite to eat when I got up in the morning, so I didn't eat after two bites, "I'm going out to the city!" ”

"Why did the master come to the city again?" The wife of the family asked curiously.

Huang Youcai said angrily: "What else can I do, of course I go to see the market, the family is about to run out, do you think I still have money to go to Qinhuai River." ”

"Looking at the concubine, I'm afraid that the market won't rise in the future, so it's better to sum up with the wrong master Zhou, borrow his boat to sell the cloth overseas, and we won't make money and return to our roots, even if it is sold to Java in a few months, it will be useless."

Huang Youcai said disdainfully: "Then Lao Zhou has two small broken boats, and one of them touched the reef, and the sailors drowned more than a dozen, and even lost their pants, I heard that they are going to sell the house." ”

"No wonder his mother-in-law has been sad recently, master, you can't learn from him to sell our house, without this house, our eldest grandson can't study in elementary school, I heard Mr. said that he studied very well and was able to be admitted to the academy, and he would be able to become an official in the future."

"How can I be so short-sighted, I have long let Mr. Feng Shui see our house, saying that our house is the Cui Guanju to show fame and not wealth, and our family still has nearly 1,000 acres of fertile land in Hangzhou, after all, it is starving to death, and the big deal is to harvest raw silk cotton and sell it to the Weaving Bureau in the future."

"You also have to have the capital to harvest raw silk cotton, so if you can't do it, you can sell it cheaply."

Huang Youcai was a little distressed, and said unhappily: "I'll talk about it later, it won't be bad anyway!" ”

He put down his chopsticks and turned around and went out, ready to go to the city to take a look, as soon as he went out, he met Master Zhou, who was on the wrong door, humming a little bird and shaking it over, the family business is almost over and he is so happy, could it be a magic barrier?

Huang Youcai smiled and quipped: "Old Zhou, have you eaten bee feces?" ”

"Hehe, it's more painful than eating bee poop!" Lao Zhou walked over with a smile, "Lao Huang, I was about to look for you, I heard that you can't sell a lot of cloth?" ”

was poked in the sore spot in his heart, Huang Youcai was a little displeased, "I have a lot of cloth, but I also heard that your ship sank, and the goods were gone, and you had to lose money to the dead sailor's family, I told you a long time ago, if you don't have a lot of capital, don't do sea trade, it's too risky." ”

"How can there be a perfect deal in this world, how can there be no risk in seeking profit, Brother Huang, isn't your seemingly safe cotton cloth trade also yellow."

"What if it's yellow, I have a family background, if I don't have anything else, I'll go to the city for a walk."

Lao Zhou grabbed Huang Youcai, "Brother Huang, don't be in a hurry, I still have a deal to talk to you about, how about I am willing to buy your stockpile at a price higher than one percent higher than the market?" ”

Huang Youcai was surprised and said, "Brother Zhou, are you making a comeback?" If I can receive my stockpiling at a price higher than 10% of the market, Huang's family will be grateful. ”

"It's easy to say, but you have to wait until I come back from the sea!"

Huang Youcai sneered, "Don't you want to take my cloth and run away, I, Huang Youcai, have been in the mall for decades, thinking that I am so easy to fool." ”

"Brother Huang, you are looking down on people in the crack of the door, my household registration and family business are all in Yingtian, where can I go, last year my youngest son was just admitted to the academy from elementary school, that is the official body, how can Zhou ruin his future." Lao Zhou was also a little displeased, and stretched out his hand to beckon the carriage behind him, "Open the box and show Master Huang what is inside!" ”

The huge wooden box was opened, and the silver glittered in the sun, Huang Youcai stepped forward and took one in his hand and looked at it, it was all fine snowflake silver, and he couldn't help but be surprised: "This has to be thousands of taels, Brother Zhou, where did you make your windfall." ”

Lao Zhou stretched out four fingers and shook his head in front of Huang Youcai's eyes, "Four thousand taels, this is the deposit I prepared for the shipyard, I still have the other half to take, but unfortunately this silver is still not enough for me, I bought a boat and lost the sailor's shutta silver, so there is not much money to buy, but unfortunately people are only willing to lend me so much." ”

"Borrowed? Lao Zhou, you are confused, you have been rolling in the business for so many years, you dare to borrow this seal money that eats people and does not spit out bones, you know the methods of those people, and they want to make you bankrupt! ”

Lao Zhou smiled and disagreed, and said mysteriously and proudly: "I will tell you clearly that this is not Yinzi money, in fact, you also borrowed it, if you can borrow it, we can partner in sea trade, and your cloth will not only not lose money but also make money." ”

"Hurry, hurry!" Huang Youcai kept urging his own driver.

"Master, don't worry, if the people from the Soldiers and Horses Command Division find out, it will be a big trouble, if there is really a shop that Master Zhou said, he won't run away!"

"What do you know, the shop won't run away, but the money will be borrowed, and when the whole family drinks the northwest wind, the first one will quit you!"

"It's here! It's here! Sir, do you look over here? ”

Huang Youcai stuck his head out of the car window, looked at the huge gold-painted signboard on the opposite side of the street and said, "It's here, hurry up and stop!" ”

Without waiting for the carriage to stop, Huang Youcai couldn't wait to get off the car, looked at the shop in front of him carefully, and said to himself: "It's really a big deal!" ”

The façade of this shop is well decorated, but there are more shops in Yingtian City than it, and the reason why Huang Youcai said this is entirely because of the four big characters on the plaque, "Daming Bank".

In order to avoid the name of the country, this year the Son of Heaven ordered that Mingzhou be changed to Ningbo, a place is like this, a shop dares to use the country name as a signboard in the downtown of the national capital, if there is no extremely strong background, who believes it, if you don't see the patrolling soldiers, you should not see it.

Huang Youcai walked into the bank excitedly, only to see that the floor was smooth and shiny, the same as his house was ceramic, and there was no other luxurious decoration, there was a row of counters opposite the door of the store, which was sealed with glass, and a few businessmen were whispering to the guys inside.

He was about to step over, but he heard someone ask in a rough and vicious voice, "But are you here to borrow money?" ”

Huang Youcai turned his head to take a look and found that there was a big black and strong man standing inside the door, with a hideous scar on his face, a beard like a steel needle under his chin, and the bulging tendons and flesh on his chest almost broke his clothes, and his figure was a head taller than him, if he changed into armor, he was even more powerful than the Han general in front of the palace.

"Come on...... Come and borrow money! Huang Youcai subconsciously lowered his head and didn't dare to take a second look.

The big Hansai gave Huang Youcai a wooden sign, "Take it and wait in the east, and I will call you when I turn back!" If you want to drink tea, there is a kettle over there, pour it yourself. ”

"Thank you!" Huang Youcai obediently answered, took the wooden sign and turned to the east, where seven or eight people sat on the bench and waited anxiously, presumably like him, they all came to borrow money.

"Hey, isn't this Brother Huang." A fat rich man greeted Huang Youcai and stretched out his hand to greet Huang Youcai, "Come, sit here!" Brother Huang is also here to borrow money? ”

"It turned out to be Brother Meng, Huang had some trouble in business, and he heard that he could borrow money here, so he came to take a look." Huang Youcai sat down next to the fat rich man, "Brother Meng's industry is not counted, and he is also a wealthy man in Yingtian, and the soap glass business is doing well, so is there a shortage of money?" ”

The fat rich man patted his thigh hatefully, looking heartbroken, "Don't mention it, Meng was not short of money, and a few days ago, I didn't know how to get into a batch of matches, and the guys in the warehouse ignited the matches due to poor storage, and the goods in the entire warehouse were burned, telling me how to do business." ”

"Oh! It turns out that the fire in the west of the city a few days ago is your storehouse, and the fire is not small! Hearing that he was not the only one who was unlucky, Huang Youcai seemed to feel a lot more comfortable.

"But no, the soap was burned into oil, the glass was burned into water and the houses were burned, not to mention the loss of money, and in the end I was fined a lot by Ying Tianfu, you said that I was not unlucky. I don't even have any circulating capital except for land and shops. In the past, my friends hid far away one by one, for fear that I would ask them to borrow money, and I could borrow money here, compared to the money of the donkey rolling, this is simply accumulating virtue and doing good. ”

Huang Youcai asked tentatively: "Brother Meng is familiar with Yingtian, do you know what the bank is from?" ”

The fat rich man smiled, "I'm afraid I'm going to disappoint Brother Huang, I also asked all my acquaintances, but I couldn't find out the slightest rumor." But with so much money and daring to use the country name as a signboard, who else do you think there is? ”