After a brief dinner, Zhu Pingjin suggested that the two of them take a walk after the meal to eat. This is in Luo Yuhong's arms, she has long wanted to know what her future home will look like. In order not to alarm the princess who lived in Changchun Palace, the two did not go out through the back garden, but went out from the main gate of the Shizi Mansion, entered the Xichang Street of the palace, and then walked more than a mile and entered the large square in front of the carrier hall from the carrier gate.

The afterglow of early summer casts a little golden light on the green glazed tiles of the main hall.

Across the wide square in front of the palace, Zhu Pingjin took Luo Yuhong's hand, stood on the high stone steps in the carrier gate, and pointed to the majestic hall in front of him:

"Look, this is the main hall of the palace, with seven rooms on the left and right, only two less than the Beijing Taihe Palace. Oh, now the Taihe Hall is still called Fengtian Palace, it seems to have been renamed the Huangji Palace, and I don't know how many there are after burning and rebuilding. ”

"You'll be in the position here in the future, won't you?"

"It's the emperor when he ascends the throne, and my name is Fengguo. In the future, the high bench in this hall will belong to me to sit on, and the serious rich and handsome. ”

"Look at your smugness! Dick silk becomes a phoenix! ”

Zhu Pingjin glanced at the entourage behind him. Li Sixian is very sensible, as long as the prince and Miss Luo are affectionate, he never gets very close, and the distance left is just in line with the ancestral family law - ten zhang. This distance not only ensures that he can hear the loud shouts of Shizi or Miss Luo at any time, but also saves him from the suspicion of eavesdropping. The fire in Qingyang Palace, the martyrdom in the rent collection courtyard, the murder in Niujiaozhai, and the battle of the Minjiang River, a series of extraordinary experiences all made this young little eunuch mature quickly.

"In the palace, be cautious in your words and deeds. We are now public figures, and hundreds of eyes are on us. Besides, now is the mourning period, and our every move must conform to the etiquette law, so as not to ......"

Luo Yuhong squeezed her husband's hand fiercely: "Okay, it's starting to ramble again." I know it's not easy to sit in, it's even harder to sit tight, so we have to work harder. ”

"Let's go, go around. We're not qualified to sit in there yet. As soon as the three-year mourning period is over, I will report to the imperial court, ask for a marriage proposal, and then the enthronement ceremony will be held together with the wedding! ”

"Really?"

"Of course! When did my Zhu Pingjian's promise to his wife go down the drain? ”

"That's great." Luo Yuhong jumped up with joy. If it weren't for the dozens of pairs of eyes staring at her, she would have kissed Zhu Pingjin fiercely.

"But there's a small problem. Three years later, it was the seventeenth year of Chongzhen. According to historical records, Emperor Chongzhen hanged himself in March of the seventeenth year. I'm worried that I won't be able to find the emperor's marriage report by then. ”

"Are you kidding me?!" Luo Yuhong shook off Zhu Pingjian, she was really angry.

"Okay, don't be angry, it was just a joke." Zhu Pingjin took back his wife's hand, "In this era, we will always be alone. We must fight alone! Submit a report? With strength, what does it matter whether to submit the report or not? ”

The two of them were in high spirits. Passing through the square in front of the temple, he climbed up to the six-foot-nine-inch high platform and circled around the empty three front halls. Carry the hall, the hall of the circle, the hall of Chongxin, and the back of the palace gate locked Chongxin gate.

Looking from the platform, the back three sleeping palaces, the southeast, the southwest, the rows of blue-green glazed tile palace tops, and the top of the mountain surround Luo Yuhong, making Luo Yuhong dazzled.

"Exhausted. Let's go back. Thou shalt not stay at night in the Prince's Mansion, lest thou be criticized. Zhu Pingjin saw that the sky was dark and reminded.

Luo Yuhong nodded, and the two of them got off the platform, ready to take the sedan chair back. But when she was about to get on the sedan chair, Luo Yuhong said: "I'll come back tomorrow morning, and I also have an agenda." ”

The next morning, Luo Yuhong went to work at Shizifu on time. As soon as she got off the sedan chair, she instructed Li Sixian to change the outer room of the East Warm Pavilion into her office. As for Zhu Pingjin's things, she ordered to keep them for the time being and clean them up later.

The place of discussion is still the old place, the flower pavilion in the small garden. When the two met, Luo Yuhong didn't explain the matter of occupying the house to Zhu Pingjin, and threw out her own issue first.

My wife wants to vigorously develop the financial industry, that is, to build a money bank.

The financial sector is not on Mr. Zhu's list. But since it was his wife who took the lead in proposing it, Zhu Pingjin decided to listen for the time being. But he knows very well that according to his wife's character, she will never just run a small shop that makes fake copper coins, but open a bank, a big bank with branches all over Sichuan.

"I have thought of the name of the money bank, it is called Huitong money bank, which means Huitong the world!"

Gather the world, remember the lines in which braided play. My wife must have been impressed by this sentence, when she wore pajamas and pants and watched TV on the sofa cross-legged every day, and couldn't sleep after watching a single episode. She's not going to follow the plot of that play, is she? Zhu Pingjin was a little worried.

"Why do you want to make money? Because money can promote the circulation and aggregation of money, which is an economic factor, so that the key industries we want to develop can raise the huge amount of money needed as soon as possible......"

Zhu Pingjin's head automatically filters out the nonsense in his wife's speech, which is also a habit he has developed in his long-term work in the agency. What is important, necessary, it's all nonsense. If you pay attention to every sentence, you will miss the most important sentences hidden in the leader's speech.

The wife finally finished speaking, waiting for Zhu Pingjian's response with anticipation.

Zhu Pingjin rolled his eyes and came back to his senses: "You just want to issue banknotes, why are you talking about a lot of them?" ”

"I'll call it a gold banknote, majestic!"

Zhu Pingjin thought, his wife's eyebrows fluttering, as if she had a large stack of banknotes covered with gold leaf in her waist bag.

"Very good idea and creative!"

Zhu Pingjin first affirmed and then denied: "I just don't know if it's acceptable on the market?" You must know that the current people simply refuse to ask for the banknotes issued by our Ming Dynasty. Always treasure money, the Hongwu Dynasty can buy a stone of rice, but now can only buy half a rice cake. The people don't accept it, and the government doesn't accept it. For example, Zheng Anmin, the right elder of this world, once made it clear that this son wants to keep him, so his fortune will not change, and he will not fold the color, as long as the silver and his true color!

After listening to him in detail, I learned that the annual salary of his fifth-grade official was nominally one hundred and ninety-two stones. After a pounding of the true color, there is actually not much at all. The true color of the year is seventy-five stones, the actual meter is twelve stones, and the other forty taels of silver; One hundred and seventeen stones, nearly two taels of silver, and one thousand one hundred and sixty-four banknotes. In other words, the annual salary of a prefectural and city-level cadre only adds up to only 12 stone meters and 42 taels of silver, as well as more than 1,000 yuan of treasure money. Treasure banknotes have always been worth only a few pennies, and more than 1,000 treasure banknotes are only one or two taels of silver at most. Plus their pen and ink minister's money and other subsidies, a maximum of one hundred taels a year! I heard that Hai Rui was a Qing official, and when Qipin County ordered him to celebrate his mother's birthday, he cut a pound of meat, which became big news in the local area. I still think in my heart that this Ming official's salary is too low. Now I know that it is so! ”

Zhu Pingjin tactfully told his wife a story, but Luo Yuhong was unmoved.

"Gold banknotes are not the same as treasure banknotes. The guarantee of the value of the currency comes not only from the free circulation of currency, but also from the free exchange of the issuing bank, and more importantly, from the sufficiency of reserves. How can the same amount of currency depreciate as the same amount of precious metal? There are no reserves for precious metals, and the government never collects them, relying entirely on executive orders. Therefore, the treasure banknote was launched, and it immediately depreciated viciously. The larger the issuance, the greater the depreciation!

I brought 10,000 taels of gold this time, and you copied a lot of gold in the Fan family's compound. If we could use this gold as a monetary reserve, issue gold notes in full, and convert them freely, I think the people would accept it slowly. After all, banknotes are more convenient and safer to carry with you than heavy gold and silver. ”

"So what did we use as a reserve fund for our previous RMB? Isn't that an executive order? Zhu Pingjin used a living example to embarrass his wife.

"Don't think I'm going to be stumped!" Luo Yuhong smiled contemptuously, "By what? Rely on state taxes, on mining land, on the economic resources controlled by the state, and on hundreds of billions of state-owned assets! ”

"It still depends on the red flag not to change color!" Zhu Pingjin added. The two of them burst out laughing.

"Gold is the international hard currency. In the past, I had the idea of collecting a large amount of gold and using the difference in the exchange price of gold and silver to make money. But at present, our gold reserves are too small, and the introduction of gold tickets now will quickly pull up the price of gold, which seems to be too hasty? You see, you brought back 10,000 taels from Yazhou, I copied 8,000 taels from the Fan family in Yazhou, 15,000 taels from the Fushun Palace, and 7,000 taels were hidden in my father's courtyard, which only added up to 40,000 taels. Although there are still some gold artifacts in the palace, if I melt the gold artifacts in the palace, my mother will have a hard time. 40,000 taels of gold, according to the current market price of gold and silver, can only be exchanged for 400,000 taels of silver at most. This is not enough to meet the amount of money in circulation. Can you exchange more gold in Tianquan and earn more from the difference between gold and silver? Silver: How do you position the market? Do you want to take it out of circulation? And how to prevent counterfeit banknotes? ”

Zhu Pingjin threw out questions continuously. In his opinion, these are all bombshells.

But Luo Yuhong will not be stumped by these pediatric problems.

"Let's start with the difference between the price of gold and silver. Don't think that you can earn a lot of money if the sky is full of six and Chengdu is ten. Tianquan is mainly sand gold, which is different in color and purity. The red yellow is ninety percent gold, but not much. Eighty percent of the light yellow ones, and only seventy percent of the blue-yellow ones. Even if all you collect is eighty percent gold, you have to refine it into ninety percent gold, plus the travel expenses and refining losses, the actual cost is not less than eight or nine taels, and this will add various risks on the road. I have carefully calculated, if I receive 70% of the gold in full, I may still lose money. Therefore, it is not scientific to use the price difference between the price of gold origin and the price difference of the place of circulation to estimate profits.

Your second question, the demand for money in circulation, is really difficult to measure accurately, but I don't think it's huge. There is a positive correlation between the amount of money in circulation and the amount of goods in circulation. The greater the circulation of goods, the greater the demand for money circulation. However, to subtract the amount of barter. Let's talk about foreign trade first, at present, our Sichuan's trade with Shaanxi, Hunan, Hubei, Guizhou, and Yunnan is not very big due to the war, and it has a large number of surpasses in foreign trade, that is, exporting goods and importing currency. Trade with Tibet is dominated by barter trade, and in fact we are still surplus. So in foreign trade, the demand for money is not large.

Let's talk about domestic trade. Chengdu has always been the center of trade in the province, with a well-developed market for grain, cloth, oilseeds, silk, cattle and sheep, horses, paper, leather, and various handicraft products. I think that the golden tickets we issue can be used in the Chengdu area to carry out microcirculation between the market and commodities. If it is really not enough, we can gradually increase the circulation later. ”

His wife's words did not dispel Zhu Pingjin's suspicions.

"What about silver and copper coins?"

"Silver and copper coins let them circulate freely. We do not have the right to ban their circulation. Broken silver and copper coins can provide a large number of auxiliary coins that are convenient for the common people to use on a daily basis. While Western countries used gold coins, they did not completely abandon currencies such as silver. Therefore, we do not need to rush silver and copper coins out of circulation. Considering the important market position of our money bank in the future, the exchange ratio between gold and silver and copper coins determined by us will inevitably affect or even determine the entire market price, so we should be cautious. The safest way is to start to integrate with the market price, and then gradually form a reasonable price formation mechanism. ”

"The more you think about it, the bigger you get, and you want to build a comprehensive exchange. Simply our bank can directly engage in the joint-stock system! ”

Zhu Pingjin laughed, and Luo Yuhong also laughed.

Zhu Pingjin thought, his wife looks so good when she smiles.