In order to broaden the source of wealth, it is natural that we can no longer start with the taxes of ordinary people. Pen % fun % Pavilion www.biquge.info

Chen Di suddenly thought that the Baoquan Bureau of the Ministry of Household Affairs had the responsibility of minting the world's coins, which was equivalent to the people's Y line in later generations. If the household department opens its own money bank ticket number, has the right to mint coins as a guarantee, and has the reputation of the imperial court as a guarantee, why worry about no one to deposit silver? In the middle of the Ming Dynasty, the commodity economy was already very developed, and those traders with small profits were often worried because of the lack of capital. With a deposit, you are not afraid that no one will come to borrow! In this way, it indirectly supports the development of Daming business, killing two birds with one stone.

A money bank with a sign of the house! Why didn't you think of it before? It's really a cornucopia of food! What is Cornucopia? The credibility of the imperial court is a cornucopia!

When it comes to opening a money bank, Chen Di is a layman. The ticket number of Huishang Qianzhuang is all over the world, and Su Bingyan, the leader of Huishang, is in Beijing at this time. Chen Di immediately sent someone to find Su Bingyan and Zhang Juzheng, the left waiter of the household department, to discuss the feasibility of this matter.

After Su Bingyan heard Chen Di's thoughts, his face was shocked, and after a long time, he popped out of his mouth: "If the household department opens a money bank ticket number, then the Hui merchant's money bank ticket number will be crushed by the household department sooner or later!" ”

Su Bingyan was telling the truth. The reason why the Huishang ticket number has been prosperous for nearly a hundred years depends on the word reputation. But no matter how high the reputation of the Hui merchants is, is it higher than that of the imperial court?

Chen Di said: "Don't worry, you won't let Hui merchants suffer!" opened a money bank ticket number, and the people in the court were all laymen. Your boss Su is familiar with the road! Hui businessmen can invest part of the capital to make the capital! I can ask the banker of the household department to give you a 10% share! In this way, the cooperation between the Hui merchants and the imperial court became official businessmen. You have experience, the court has strength, and if you combine the two into one, you will definitely be able to make a lot of money. ”

Su Bingyan said: "This is a good thing. But I want to ask the Metropolitan Governor, if the money bank ticket number of the household department is really opened, will the imperial court close the money bank ticket number run by the world's merchants like the salt and iron official camp? ”

Chen Di said: "Absolutely not!" What I mean is that in the future, the money of the imperial court and the money of the merchants of the world will be interdependent. For example, the money of the merchants is tight, and they can use the land deed and real estate as a mortgage to borrow money from the imperial court. The money of the imperial court is tight, and the next season's finance and tax silver can be used to offset the money of the merchants! In this way, the money bank ticket number industry has become a big tree. The money bank of the imperial court is the backbone, and the money bank of the merchants is the branch. The roots of this big tree are extremely Ming's Jiangshan Sheji! ”

What a shrewd businessman is Su Bingyan? He thought to himself, if the Hui merchants were the first to cooperate with the imperial court, then the Hui merchants would be leaning against the big trees to enjoy the shade! In the future, who at all levels of government will dare to knock on the bamboo poles of their Hui merchants for no reason? And cooperating with the household department to open a money bank is definitely a profitable business!

Why did Chen Di drag Hui businessmen to do this profitable business, he also has his own little abacus. First, the household department lacks talents in the money bank ticket number industry! According to Chen Di's concept, the Qianzhuang of the household department should set up a semicolon in each province of Daming in the future, a branch in each prefecture, and a sub-number in each county. In this way, there are more than 10,000 accounts needed. Hui merchants have many excellent money bank accounts, which can let them pass on the help, and use this group of people as seeds to cultivate a large number of household their own money bank talents.

Second, since the founding of the Ming Dynasty, the emperors of all dynasties have regarded merchants as chopping board fish and meat, and whenever there is a war and famine in the country, they will show them various taxes in various names, and the merchants of the Ming Dynasty have eaten a lot of dumb losses in the court! Who would dare to cooperate with the imperial court? The authentic merchant of Hui took the lead in cooperating with the imperial court, and set an example for the small merchants in the world. can let those small businessmen let down their guard.

Su Bingyan took a sip of tea and made up his mind: "Governor, we Hui merchants are willing to cooperate with the imperial court to open a money village. I don't know how much this share capital needs? ”

Chen Di said: "Daming's fiscal and tax revenue last year was more than 45 million taels, and 10% is 4.5 million taels. I think you Hui businessmen can make up 4.5 million taels of share capital, and in the future, the money bank opened by the household department will have 10% of the shares of your Hui businessmen! ”

Su Bingyan said: "Four and a half million taels is not a small amount. Let me go back and consult with my colleagues. Well, I can make a promise to the adults first. I am willing to put out 1 million yuan to invest in the money bank opened by the Ministry of Households! ”

Chen Di nodded: "Well, it's good!" In addition, when the household bank borrows from outside, it must have land, real estate, and goods to pay! Once it is not on the account when it expires, these fields, real estate, and goods will be sold by the household department and converted into cash and returned to the state treasury! ”

Su Bingyan said: "This is very fair! ”

Chen Di said: "Then Lord Su, please go back first." Please contact your Huizhou business colleagues as soon as possible, I am waiting for your good news. ”

After Su Bingyan left, Zhang Juzheng said to Chen Di: "My lord, the imperial court opened a money bank, to put it bluntly, the imperial court does business with the small people!" It seems to be against etiquette. ”

Chen Di asked Zhang Juzheng rhetorically: "Etiquette? Can the etiquette be eaten as a meal? So many victims are waiting for the imperial court to give relief, but the household department can't come up with money, is it possible that they will freeze to death and starve to death? ”

Zhang Juzheng is by no means a pedantic person. He said: "This is the reason, I'm afraid that Yan Ge Lao will not agree." ”

Chen Di said: "Yan Ge Lao, I'll go say hello." ”

Zhang Juzheng wanted to speak and stopped: "The Metropolitan Governor, actually... ”

Chen Di asked Zhang Juzheng: "Zhang Shilang, do you want to say, why don't I reform the Ming tax system?" ”

Zhang Juzheng nodded: "The reason why the treasury is empty is that the unreasonable tax system of the Ming Dynasty is the fundamental reason!" Have you ever heard of the term "Touhuangzhuang"? ”

Chen Di asked: "What is Touhuangzhuang?" ”

Zhang Juzheng replied: "Since the founding of the country, there have been no less than tens of thousands of imperial relatives registered in the Zongren Mansion. There are thousands of large and small officials in the Ministry of Officials, and tens of thousands of talents and people in the Ministry of Rites. These people are not allowed to pay taxes. Nowadays, the imperial court pays one out of five for the small people's fields, that is, two percent of the harvest must be handed over to the state treasury. Those emperors, officials, and people with meritorious names made promises to the small people. As long as the land is passed into their name, they only need to pay them a filial piety equivalent to 10% of the harvest every year! The small people pay less land tax, so they are naturally willing to pass the land to these people. This is called, Invest in the Emperor's Village! ”

Chen Di said: "There are indeed many drawbacks in this. ”

Zhang Juzheng said again: "It's good to meet those kind-hearted royal relatives, officials, and gentry. If they are ruthless, and the small people have inherited the land, they will not admit it, saying that it is their own land. As a result, the land tax collected by the state treasury is decreasing day by day, and many small people are forced to die! This is a big disadvantage of the tax system! ”

Chen Di sighed: "How do I not know that the unsound tax system is the root cause of the emptiness of the Ming treasury?" It's just that reforming the tax system will involve the interests of a large number of people, and the war has just ended, and the situation in the DPRK is unstable, so it is not time to reform the tax system at this time! Your deputy, Long Zixing, agrees with you. I think you have nothing to do with him and come up with a perfect reform plan. When the time comes, let's do a new deal! ”