Money can invite disaster, and the hatred brought by interests is the greatest.

Looking at the cow ghost snake god in the dossier, Zhu Youzhen sighed. The sighing expression contrasted greatly with his youthful countenance. Zhu Youzhen raised his head and asked faintly: "Qi Qian, do you say that money is so important?" Is it worth it for them to risk killing their heads to come out and make trouble? ”

Gao Qiqian was silent and did not answer. He knew that King Shin wasn't really asking him.

Zhu Youzhen stared at the file, his face constantly changing.

Time seems to stand still.

It's so hard to decide, huh?

There is no experience of this in the memories of a past life. A single decision can make or break for dozens or even hundreds of people. Zhu Youzhen felt Alexander.

"Wouldn't this world be better off without them?"

"I don't know. However, the world should not be worse without them. ”

In the self-questioning and self-answering, Zhu Youzhen made a difficult decision. He finally raised his head, his face was gloomy, the corners of his mouth twitched, and he said in a cruel voice: "Since they are all forced to the door, let's open the door." It's time for the Shin Mansion to try to make its voice heard. Dive, just do what you planned. ”

"Yes." Gao Qi replied, a smile on his face. He bowed down to His Royal Highness King Shin and bowed, and then withdrew silently.

"Remember, in the future, the information will be sent to Gu as soon as possible." Zhu Youzhen said lightly.

Gao Qiqian in the retreat, his body stiffened for a moment, and then continued to withdraw, his expression did not change at all.

In the quiet night, there seemed to be something different in the Shin Palace, but it didn't seem to change in the slightest.

On March 13, avoid opening the light, fasting, digging wells, and everything else is appropriate.

Good days, this is a rare day without any big taboos.

As soon as the morning dawned, the entrance of the public money bank was already crowded with people waiting to withdraw money. The neighbors around him smiled when they saw this familiar scene.

When this first happened in September last year, everyone thought something bad had happened. Unexpectedly, it was just the surrounding farmers who deposited money and withdrew silver in the bank.

Since the opening of the public money village for more than a year, the guys are warm and the shopkeepers are easy to talk. In particular, their practice of smiling before saying a word makes everyone have a good impression of it.

What's more, you can withdraw money at the Public Bank, and you can withdraw silver or copper coins at your choice. If it is different from the copper and silver coins at the time of deposit, the exchange ratio given by the public money bank is far more reasonable than that of other money banks.

As the public money bank opened for a long time, its reputation slowly spread outside the city. After hearing about the reputation of the money bank, some peasant households would rather spend their energy on a special trip to the city, just to rush to the public money bank to save money and withdraw silver.

In view of the fact that money cannot be withdrawn on the same day, farmers who travel far away often stay in the city with relatives and friends.

Those farmers who really had nowhere to live had to rush home that day. But they would rather make another trip the next or third day to get the money, and deposit the money in the public bank.

Since the second year of the Apocalypse, there have been sporadic farmers in the Dazhong Money Village to save money in the Money Village.

In September of the third year of the Apocalypse, the public money bank appeared for the first time, and a large number of farmers concentrated on saving money and withdrawing silver.

The situation of that concentrated outbreak made the public money bank think that when it encountered the run on the king of letters, the whole money bank was like a big enemy.

It took about five days for the farmers to disperse.

An investigation launched by the public money bank later found that this craze for saving money and withdrawing silver was actually caused by taxes imposed by the imperial court.

The farmers worked so hard just to get a fair amount of silver.

The regular tax collected by the Ming court is levied in two seasons, which are called summer tax and autumn grain.

The summer tax is generally collected until August-September of the current year.

The collection of autumn grain is generally until February and March of the following year.

Other miscellaneous taxes in the Ming Dynasty were mostly attached to the land and collected together.

The tax policy of the Apocalypse Dynasty is still a whip law.

Although a large number of his reform provisions were abolished after Zhang Juzheng's death, a whip law still prevailed throughout the country and became the standard tax policy of the imperial court.

The most obvious sign of a whip law is that it will no longer be collected in kind, and all taxes will be converted into silver. (Note: The silver in a whip is only a reference for money, and copper coins can also be used to pay taxes.) ）

The whip law slowly changed its flavor during the implementation of the law, and the tax collectors did not know when they began to accept only silver to pay taxes.

However, ordinary peasant households have no money in their homes, and when it is time to pay taxes, in exchange for silver, they have to sell grain at a low price.

What is even more hateful is that the large grain collectors often deliberately only use copper coins to collect grain.

The grain was sold cheaply in exchange for copper money, but the imperial court collected taxes but did not collect copper money.

The farmers had no choice but to find another place to exchange copper coins for silver, which subjected them to another exploitation.

During the season of borrowing taxes, the exchange rate between silver and copper coins was manipulated, and this was how many shops made money.

Knowing this result, Zhu Youzhen found that the ancients were really not to be underestimated.

They all have the means to manipulate the exchange rate to make money, and they not only have it, but they also use it very well. Although they are a little shameless, Zhu Youzhen also has to admire their smart minds and making a fortune.

is like Zhang Xiude, the imperial historian who was driven out of the capital by Wei Zhongxian. His name is Qingliu, but he also secretly opened a big money house and made a lot of money from this kind of ambiguous money.

In view of this special situation, the public money bank also specifically asked Zhu Youjian whether he would also work the exchange rate of silver money.

After careful consideration, Zhu Youzhen vetoed the proposal. He doesn't need to make any money. Zhu Youzhen's heart is bigger, what he wants to earn is the money of everyone in the world.

In Zhu Youzhen's view, no immediate interests can compare to the reputation of the bank.

As long as the good reputation of the popular money bank spreads, it is stronger than anything else.

A bank is originally a credit product, and only a good reputation and strong credit are the foundation of the bank's development.

The fact that the public money bank refused to raise the exchange rate of money in the short term like its peers was quickly discovered by the farmers.

Although according to the rules of the public bank, the copper coins deposited by farmers in the money bank must be discounted according to the market price of the copper coins before the silver can be withdrawn.

However, the farmers already knew that they could get at least 30% more money than other families when they took money from this bank.

The meaning of the extra 30% of the silver is very clear to the farmers.

This means that you can easily pay your taxes this year without having to borrow money from everywhere.

As long as you don't have to borrow money, no matter how much money is left after paying taxes, at least the family's food rations are saved. As long as you find some wild vegetables to match, you can barely survive this green and yellow season.

What else do the dealers want? You can barely get by.

The news spread, and farmers flocked to it.

For this reason, the bank's money business has offended a large number of moneylenders who rely on money for profit and derived from it.

The fourth spring of the Apocalypse

For the first time, there was an organized, real run on the bank.

On March 13, things were wrong from the start.

On this day, as soon as the morning dawned, a large number of peasant households crowded in front of the money bank, waiting to receive their savings earlier.

Seeing the dense crowd, the neighbors of Qianzhuang who were affected by the travel will inevitably nag a few words.

However, before the neighbors passing by could start chattering, they heard someone in the crowd already chattering worriedly, and the voice was still loud, "Why don't you open the door yet, what time is it?" You won't open the door, will you? ”

Someone answered: "Wouldn't this money bank also be a liar?" There is no such thing as a business that does not make money. ”

There are also farmers who used to worry about this, but today it seems that there are many of them.

There was still someone in the crowd who shouted, "Did you hear that? Many of the money banks in the city have taken up the money they have kept and run away, and many of the people who have saved money have lost all their money. ”

The calm crowd became a little commotional.

More farmers stared at the gate of the money village and couldn't help muttering, "Open the door soon, right?" Why haven't you opened it yet? Should it be time? ”

In the eyes of the anxious farmers, the sun that was usually punctual seemed to have become much slower today.

The hour finally arrived, the doors of the public money bank finally opened, and the crowd poured into the store like a tide. The money village was crowded at the time.

A few loud voices in the crowd were still shouting, "Hurry up, hurry up, we have to rush back!" ”

This resonated with the fact that the farmers lived outside the city. After withdrawing the money, most of them still have at least a dozen miles to go.

Someone in the crowd began to echo, "yes, hurry up, it's been so long, hurry up, I'll hurry back." ”

The agitation of the farmers is evident.