Arranging for Liu Wan to go to Zhangde Mansion was actually arranged a long time ago.

When he was a year old, he asked Zhu Zhanji for leave and wanted to go back to his hometown to find his sister.

Since he left his hometown at the age of eight, he has not returned to his hometown for almost 20 years.

Since meeting Cai Yuxing, he has often recalled everything when he was young, his dead father, his mother who was sunk in a pig cage, and his sister who was taken away before she was three years old.

After Zhu Zhanji knew Liu Wan's thoughts, he asked him not to be anxious, because since he knew that Zhu Gaosui, the king of Zhao, had become a money fan now, he had the heart to beat him.

In particular, he dared to participate in the Shandong grain case, how could Zhu Zhanji let him go so easily.

So he asked Liu Wan to wait until it was time to deal with banking affairs and go to Zhangde Mansion, and Linzhou was a county below Zhangde Mansion.

Liu Wan asked for leave to return to his hometown, but he was not really returning to his hometown, as a messenger returning to his hometown, even the local prefect had to treat him with courtesy.

Of course, Liu Wan had no objection to this arrangement, so he responded loudly in the court today. "The slave and maid must work hard and recover the silver taels owed by King Zhao, and a lot of money."

Only then did Zhu Zhanji turn to the ministers and say: "The Ministry of Rites, the Criminal Department, the Metropolitan Procuratorate, and the chief officials of Dali Temple are listed. ”

Everyone didn't know what Zhu Zhanji was going to do, but Lu Zhen didn't dare to be sloppy, so they stood up directly.

Zhu Zhanji said: "I remember when I was a child, I listened to the master talk about the ancients, and said that the Han Dynasty valued honesty the most, even if it was a prince, the debt must be doubled, otherwise he will be cut off from his post and removed from the knighthood." Lone doesn't know much about these things, but he also knows the importance of integrity. I want you to unite and draft a decree, and in the future, the Ming Dynasty will be based on good faith, and anyone who owes more than 5,000 silver coins, whether it is a duke, an earl, or a baron, will be reduced to a first-class knight, more than 50,000, even if it is a duke, I will be reduced to a commoner. If the civil servant owes money, he will also deal with it as usual, and he will pay off the debt. ”

The Ming Dynasty only had laws restricting the people, but there were no laws for nobles and officials, and when Zhu Zhanji said this, everyone was panicked and wanted to pay off the debts as soon as possible.

Silver is a small matter, and the title is the foundation of the heirloom!

As the nobles could imagine, the civil officials wished that the law would be as strict as possible, and that if they wanted to pay off the money they owed in the future, they would first weigh how many times they could cut their titles.

However, Zhu Zhanji said: "This law is aimed at those who have money and does not pay it back, and it should still encourage normal borrowing. Otherwise, those private usury will rise again. ”

Headed by Lu Zhen, the four main officials should all be decisively.

Zhu Zhanji also said: "In addition, the law of cash and cash silver transactions in the Ming Dynasty has been formulated, and from now on, more than 10,000 silver coins will be strictly prohibited from being traded out of the government. If you want to leave the house, you must go through bank acceptance. ”

This is another big move, even more shocking than the law against the nobles just now. But this time, it was the nobles who were happy, and it was the civil officials who were opposed.

Because Zhu Zhanji restricted the circulation of large amounts of gold and silver, the main bearers were merchants in various places. In the past, the most they could do was go to the bank and exchange silver ingots for silver or gold coins.

10,000 silver coins, but 1,000 gold coins, those merchants basically do not go through the bank, but directly cash transactions, so as to avoid business taxes.

The commercial tax of the Ming Dynasty is very large, 30 taxes and 1, compared with the tax ratio of more than 20 percent in later generations, and even more than 50 percent of the manufacturers, it is simply not worth mentioning.

Even so, no one wants to pay taxes on their own.

But now, Zhu Zhanji has banned the circulation of gold and silver, and they can only trade through banks. At this time, it is difficult to evade taxes.

In fact, although Zhu Zhanji was for tax purposes, it was more for the circulation of gold and silver.

In his previous life, he was very aware of the uneven distribution of social wealth in the late Ming Dynasty, and the rich cast thousands of kilograms of silver piers buried in the ground, and the poor people could not even see a silver horn.

In the past two hundred years, more than 60 percent of the world's gold has flowed into the Ming Dynasty, and more than 90 percent of the world's silver has flowed into the Ming Dynasty.

But what? The official treasury of the Ming Dynasty is empty, and you can run mice......

Emperor Chongzhen asked his ministers to collect donations, but he couldn't even collect 10,000 taels of silver, so Li broke into Beiping and directly collected more than 10 million taels of silver.

And that's not all, because after the subsequent Manchu Qing Dynasty entered the customs, they got more silver from those ministers who had "two sleeves and a clean breeze".

This kind of concealment of wealth is quite detrimental to the development of society, and the lack of regulatory power of the government will only make the trend of unequal distribution of wealth more and more serious, so it is necessary to develop business from the beginning, and it must be regulated.

In the past, Zhu Di was still in Daming, and he was not easy to do, but now, the real first fire is about to burn.

Asking for an account from Xungui is actually a trivial matter, because in this era, they are just playing tricks, and they don't dare to really play in front of the royal family.

If Zhu Zhanji takes it seriously and asks for it strongly, no one will dare to say that he will not pay it back.

Restricting the circulation of gold and silver is Zhu Zhanji's real goal.

Only by putting the wealth of society in the hands of the imperial court can this money really play a role, otherwise, no matter how much gold and silver there is, it will be a dead thing.

However, there is a very important issue here, and that is the issue of the royal reach.

Ministers, the people did not dare to believe in the emperor's character. The people, officials, and merchants all put their silver in the bank, if a Ming monarch is fine, what if he encounters a faint monarch and regards the bank's silver as his own?

Therefore, Xia Yuanjideng, the head of the household department, came out and said: "Your Highness, by all means, the bank is the channel for the circulation of gold and silver in the imperial court, how can it be confused with private wealth." What's more, the high fees for bank acceptance in different places are also increasing the cost of vendors, resulting in a shrinkage of private transactions. ”

Zhu Zhanji said with a smile: "What Aiqing said is reasonable, so Gu intends to reduce the acceptance fee in different places to benefit the people." ”

Obviously, he wanted to make the transaction nowhere to hide and increase taxes, but Zhu Zhanji's concession to the people was natural, which made people speechless.

Xia Yuanji said again: "Your Highness, can you know why the issuance of treasure banknotes during the Taizu period was still one-to-one at the beginning, but now it is gradually abolished?" ”

When it comes to the economy, Zhu Zhanji is not afraid of Xia Yuanji, an ancient, he said with a smile: "In the final analysis, it is a credit problem, because of the indiscriminate issuance of paper treasure money, which has led to wealth inequality and triggered a currency crisis. ”

Although Zhu Zhanji's words are somewhat postmodern, many terms have been circulated since the time he founded the bank, so basically every minister can understand it.

Xia Yuanji nodded and said: "The issuance of currency is mainly a credit issue, but if Your Highness gathers the wealth of the world in the bank, who will underwrite the credit of this bank?" ”

Zhu Zhanji said with a smile: "Lone can legislate to restrict the royal family from reaching out to the bank." ”

"The law can be established, but of course it can be annulled."

In the final analysis, this is still the character of the emperor that everyone can't trust, this cash, cash and silver are not treasure money, if the emperor really cheats, no one can restrain the imperial power.

However, Zhu Zhanji had already prepared and said: "So Gu is ready to prepare a new bank, this new bank, the royal family only occupies a third of it, and does not participate in the management. ”

Xia Yuanji did not back down, and asked: "Who will manage it, and who will bear the gold and silver transshipment?" ”

Zhu Zhanji said: "In Lone's vision, the royal family of this bank occupies a third component, the honorable nobles occupy a third component, and the rest is raised by the ministers and the people. The royal family and the nobles are not involved in the management, only the right to supervise, and the household department selects the treasurer from the people to be responsible for the operation. Once a year, the operator is required to report to the general meeting of shareholders to report on the operating conditions.

As for the transfer of gold and silver, it must be carried out through the Daming Bank, except for the Daming Bank, no institution or individual has the right to transfer gold and silver. ”

The hundred officials had just heard Zhu Zhanji's thoughts, how could he be so thoughtful. Xia Yuanji knew very well that this highness did not fight uncertain battles, and he also knew that although he was young, he was scheming.

He didn't want to disobey the order directly, so he could only use procrastination to say: "Your Highness, this matter is a major matter, and it cannot be decided in a day." The minister needs to gather the household officials and analyze this in detail before he can give an answer to His Highness. ”

Daming Bank does not operate, but is only responsible for supervision and transshipment of gold and silver.

The Daming Development Bank is mainly responsible for the allocation of financial resources.

Daming Commercial Bank is a private bank belonging to the royal family, which is used by internal supervisors to make money.

At the beginning, Zhu Zhanji had a very good idea, naming the bank under internal supervision as a commercial bank, just because he wanted to develop business.

However, in this era, no one dared to deposit money in commercial banks, except for merchants who did business with internal supervisors, no one else would deposit money in commercial banks.

Over the past three years, although the development of commercial banks has been very stable, their scale has not expanded.

Zhu Zhanji thought again that he would simply re-establish a real commercial bank, and the commercial bank under the internal supervision was renamed the Royal Bank.

However, whether it is a bank reorganization or a new establishment, it is necessary to recover the arrears.

The re-establishment of a bank is of course welcomed.

They can't interfere with commercial banks, and even development banks, although they have a name, they can't really control them.

The Development Bank was established by Zhu Zhanji and his silver, although Guo Zi, the head of the household department, served as the commander, but now Zhu Di promoted Guo Zi to the second grade and spun off this part of the business.

Re-establish a bank, and it is controlled by the Ministry of Households, to say that Xia Yuanji is not impressed, it is false.

However, he was more afraid that the emperor would reach out and completely destroy the bank's reputation.

After the dispersal of the dynasty, he summoned officials at and above the head of the household department to examine Zhu Zhanji's proposal.

This bank needs to be built, but the emperor must not be allowed to intervene directly. The countermeasure they were studying was to sever the link between the bank and the royal family.

But Zhu Zhanji also said that only Daming Bank can control the transfer of gold and silver, which gives the emperor the opportunity to intervene in the new bank, which is a problem that is not easy to solve.

Through Daming Bank, the emperor can directly draw the gold and silver of the new bank!

On the contrary, for the establishment of checkpoints in the state capitals of the Ming Dynasty to prohibit the circulation of gold and silver among the people, the household department is supportive.

As the money bags of the imperial court, they certainly want to collect as much tax as possible.

The more money they have, the more influence they have.

But for Jian Yi, he can already see the impact of Zhu Zhanji's move. By controlling the circulation of gold and silver, the wealth of the world was controlled by three banks, which was a decisive help to the rule of the imperial court.

Thinking of this, he couldn't help but feel admiration for His Royal Highness Taisun's foresight.

As a Sichuan native, although the Jian family occupies a lot of fertile land in Ba County, they have not set foot in business, at most they sell some wood, timber and local products in their hometown.

Therefore, restricting the circulation of gold and silver had no effect on him personally.

Who is affected? It is mainly in Jiangsu, Zhejiang, Fujian and southeast Guangdong, focusing on merchants and officials who focus on commerce.

Nowadays, the development of overseas trade is in full swing, and if you want to go to sea, the customs tax is inevitable, because if you do not pay taxes, the goods have no chance to be exported.

But if the goods are not exported, no merchant is willing to pay the tax once, even if the tax amount is not high.

When Zhu Zhanji's words at the court meeting were spread, the entire capital was boiling, because the merchants in the capital would not be affected small.

However, looking at the various court officials in the court today, almost none of them are from the southeast.

Expanding the scope to Zhu Zhanji's close ministers, one Jin Chun is from Jiangsu, and the other is Yang Rong from Fujian.

Today's imperial court is not a later generation, and the southeastern officials occupy the vast majority, and now they have no chance to come out at all, so although Zhu Zhanji's order is difficult for many people to accept, no one can directly oppose it.

For the people of the capital, the most important concern now is not the imperial court's restrictions on the circulation of gold and silver, but the cart of gold and silver returned from the headquarters of Daming Bank outside Chengtianmen.

Zhu Zhanji is not ruthless, and the nobles still have the psychology of luck, but when he gets serious, the nobles begin to feel weak.

After the court meeting on April 15, starting on the second day, the carriages of the nobles who returned the silver blocked the street in front of the headquarters of the Daming Bank.

One by one, the bank staff were tired and half dead, and transferred the heavy gold and silver to the cellar.

This cart of gold and silver really attracted a lot of people to see the excitement, and there were even shrewd vendors, picking up tea stalls, to do business there, and the business was quite good.

For the sake of a little gold and silver, if the title is stripped of it, it is the greatest punishment for all nobles.

What they are proud of is the title on their body, and if they don't have the title, not to mention the annual salary, they will begin to decline just by losing their privileges.

Therefore, no one dares to have a fluke mentality, and always thinks that the law does not hold the public accountable.

Of course, there are also some nobles who can't afford to pay it back now, because they participated in the trade of the South Seas, and they have not returned the silver until the South Sea fleet has not returned.

They are the most anxious now, although Zhu Zhanji has given more than a month to repay the loan, but if the fleet cannot return smoothly, it will be over.

Therefore, they would now prefer to borrow money first and repay the money rather than miss the deadline for repayment.

The people in the capital are watching the excitement, so they will not care about the imperial court's restrictions on the circulation of large amounts of gold and silver, those things have nothing to do with them, the common people, and they can't take out large sums of gold and silver at all.

Merchants who can come up with so much gold and silver, they have not yet colluded with the civil officials. The main officials of the imperial court are not from the southeast, and they can't climb the relationship.

Therefore, they are destined to be sacrificed.

Yang Rong was a very smart man, and after April 15, when the Fujian side had not received the news, he had already decided to leave the capital and go to Beiping.

He was originally going to set off with Xue Lu, but Xue Lu couldn't set off until the first batch of young soldiers had finished training, so he could only go first.

Staying in the capital, he was very afraid of people from his hometown, and it would be difficult for him to do it when he asked for it.

Yang Rong set off from the capital and took a sea boat to Beiping to sit in the town.

And Liu Wan also carried a guard of honor, starting from the capital, along the canal to Henan, and from the ancient canal to Zhangde Mansion.

This time, Liu Wan not only brought as many as 33 honor guards, but also specially brought two palace maids from the palace, one of which was his former life-saving benefactor Cai Yuxing.

He is now a big celebrity around Zhu Zhanji, and Cai Yuxuan is just a personal maid by Zhuang Fengyi's side, not even a middle level.

Zhuang Fengyi was overjoyed when she learned about the relationship between her maid and Liu Wan, Liu Wan asked her for someone, and she agreed without thinking.

Although Cai Yuxin is also a big lady at home, when she enters the palace, she is a rootless wanderer.

Since reuniting with Liu Wan, she has no impression of Liu Wan for a long time. She also understands Liu Wan's intentions for her, but she has never made up her mind.

There are many eunuchs and palace maids in the palace who have formed pairs of food, like Liu Wan, who was at that time and was a young eunuch of the popular people around His Royal Highness, ordinary palace maids can't rely on it if they want to.

Yuyun didn't want to hang Liu Wan's appetite, but she had never considered such a thing before.

These days, she sewed a purse for Liu Wan and made a casual dress. When Liu Wan is not on a bad day, he always likes to wear the clothes she sews, and he still has to let Yuyu wash his dirty clothes when he is not in the field.

The more people know about their relationship, and the attitude of many people towards her is getting better and better.

Liu Wan is not just a young eunuch, his master is Jin Kuo, one of the twelve great eunuchs, and his senior brother is Sun Lin, the admiral of the Advisory Division. Although the forces in the palace are not as strong as those of Wang Yan and Zheng He, they are now in the limelight.

Yuyu was protected by Liu Wan, and it was more effective than Zhuang Fengyi, an inconspicuous concubine.

When boarding the ship, Liu Wan, as a messenger, arranged Yuyu's cabin next to his room.

That night, Liu Wan entered Yuyu's cabin, and although Yuyu was thin-skinned, he didn't drive him out. In the dead of night, half-pushing, half-pushing, half-sighing, nested in Liu Wan's arms.

Although it can't really be a good thing, Liu Wan has also psychologically completed the transformation from a boy to a man.

The various skills learned from the Spring Palace Diagram were also used by Liu Wan on Yu Yu's body one by one, so that Yu Yu could experience the joy of being a woman.

Holding Yu Yu's delicate body, he gasped and said softly: "Yu, don't worry, just wait for His Royal Highness to release people, and I will arrange you in the first batch of people to leave the palace." Whether you continue to follow me in the future or marry someone else, I will let you live a good life. ”

It was the first time that Yu Yu had heard that a palace maid like them could still be released, and she was originally exhausted and drowsy, but now she was refreshed. "Didn't you say that the palace maid who entered the palace would die of old age for life?"

Liu Wan shook his head and said: "His Royal Highness is already preparing for reform, there will be fewer and fewer eunuchs in the future, and the palace maid will only serve in the palace for a few years, and then he will be released to marry him." ”

Yu Yu was silent, the news gave her a glimmer of hope, but she was afraid that it was a dream.

What's more, in a few years, she will be almost thirty, even if she leaves the palace, how can she find a good family?

Or is it that after leaving the palace, he still followed Liu Wan and asked him to buy a small courtyard for himself in the capital and adopt a junior in the clan to support his old age?

Those seem too far away!

All the way from the capital to Zhangde Mansion is a waterway, which also makes this trip much more comfortable.

Liu Wan was not in a hurry, he knew very well that the guards of King Zhao's Mansion would probably have returned to Zhangde Mansion at this time and reported to King Zhao.

As long as King Zhao is not a fool, he will immediately arrange for the silver to be returned.

If you really want to cut him off the title of King Zhao, even if he has thousands of family fortunes, he can't keep it.

So this errand is actually very easy. His Royal Highness is just playing for others to see, and he is just taking this opportunity to go back to his hometown to find his sister.

On April 23, Liu Wan and his entourage disembarked at Puyang, and the Puyang Guard Station had already formed an escort team composed of up to 200 guards to escort Liu Wan and his entourage to Zhangde Mansion.

In addition to them, including Changshanwei, Anyangwei and other health stations, they have also received tasks, and if they are transferred, they must fully cooperate with Liu Wan.

But these are still just jokes, although King Zhao is the third son of His Majesty, he will not dare to really go against Zhu Zhanji when he has no military power.

Of course, there is a lot of silver, but King Zhao has made a lot of money from trading with Dongying and North Korea over the years, and he will not lack this silver.

But in Zhangde Mansion, Zhu Gaosui, the king of Zhao, is really in a hurry because of the silver now, and his hair is going to be white.

He has earned a lot of money over the years, but he only makes a small amount of money behind the inner prison. The main reason is that he has spent too much money in order to build the Zhao Wangfu over the years, and it is really difficult to raise for a while.

What he owes the bank is not a small amount of money, the principal alone is more than 500,000, nearly 600,000, plus interest, the total amount will be more than 700,000 silver coins.

However, as Zhu Zhanji thought, he didn't dare not pay back the money at all, if he really wanted to cut his throne and repay his debts, then he would be wronged.

"Send someone to Jiaodong and Ningbo to gather all the king's funds. Then compressed to Shanxi, Shanxi, Sichuan procurement, now the king has difficulties in funds, they are willing to owe on credit, the king wants their goods, if they do not want to owe credit, the business in autumn and winter will do a little less. ”

"Then how should Qincha deal with it?"

"Do they need this king to deal with it? After eating and drinking, they were received, and when the money was returned, they naturally left. ”

Having said that, when Liu Wan swaggered through the city and came to Zhangde Mansion, Xu Guan, the prefect of Zhangde Mansion, personally greeted Liu Wan and his party outside the city.

When Liu Wan came to the Zhao Wangfu, which covers an area of hundreds of acres and is extremely luxurious, the middle gate was wide open, and Zhu Gaosui personally went to the gate to greet the minister.

Then, Liu Wan began to eat and drink well, waiting for Zhao Wangfu to raise funds.

Of course, he would not stay in Zhangde Mansion without moving, and after resting in Zhangde Mansion for two days, he proposed to go back to Linzhou to visit relatives.