Let the Ming government borrow money to raise soldiers, and also announce it to the world, it is estimated that Li Hongfei can think of it. Pen, fun, and www.biquge.info

"Li Menghui you don't want to slap me, how can there be such a fanfare for borrowing money, just go through a procedure in private." Shi Kefa actually learned to be flexible.

The key is that he doesn't want this matter to make a fuss, as an official, what he cares about most is the reputation of the people.

Especially not long after the "mutiny", and the large-scale war and its end, the country has no money, how does this make the people feel?

"In terms of public opinion, I am responsible, after all, I am also a Ming official." Li Hongfei said righteously.

In fact, there is nothing wrong with telling the world that the government borrowed money to raise soldiers, although it will expose the current financial difficulties of the imperial court, but on the other hand, it tells the people a good news: the government would rather borrow money than exploit the people at the bottom too much.

As long as the guidance of public opinion is properly operated, the people's approval of the current ruling cabinet will be higher.

Whether he wants to or not, Li Hongfei has forcibly pulled these people into a chariot, and the degree to which the first ruling party is loved by the people will largely determine the political form of China in the future.

"You kid give the old man an explanation, what bad is still holding back, don't let me figure out the reason, this loan will definitely not be opened." Shi Kefa broke the casserole and asked to the end.

For ministers who are bent on "seeking stability", this so-called "public opinion hype" is not attractive at all.

Even if there is no "public opinion hype", after the precipitation of time, the people will eventually make the right choice, and they will not be guilty of implementing this risky "hype" method in order to quickly gather the hearts of the people.

"Boy, how can I hold it back? This is a good thing, once it is operated properly, as long as the government does not lose its "credibility", then the Ming Dynasty will basically not appear in the future, and there will be a major financial crisis. Li Hongfei began to explain slowly...........

It turned out that this time Li Hongfei didn't just want the imperial court to show enough "pro-people", but also wanted the imperial court to establish "lending credit" through this.

If the imperial court can ensure sufficient credibility from this "open" loan with the private sector to make the private capital think that it is "profitable" to lend money to the imperial court, then in the future, when the imperial court runs a fiscal deficit again, even if there is no Huaxia Bank, the imperial court will be able to borrow money from the private sector very smoothly.

The most important embodiment of the market economy lies in the circulation of money, but except for some merchants along the coast, the thinking of most of the people in the Ming Dynasty is still in the stage of gathering wealth in Tuntian.

A large number of coins are buried in the soil, hidden at home, or turned into fixed assets, how can the market economy be revitalized?

It is impossible to expect these ordinary people to change their minds in a short period of time, and the only way to make money circulate is for the state to intervene.

If the wealth is lent to the state to operate, and the principal and interest can be collected after a certain number of years, then only the government's reputation is good enough, and I believe that the people will never refuse.

"Fundraising", which is a commonly used financial management method in later generations, is not absent in this era, but it is basically "illegal", and the government did not care about the pros and cons before, but Li Hongfei will not give up easily.

In addition, Li Hongfei also had another purpose, that is, to fight a foreign colonial war.............

The Ming Dynasty would not easily launch a war with the outside world, because fighting a war would cost national strength and the people would not be able to make a living, but what if the implementation of the "war bond" allowed the people of the whole country to enjoy the "war dividend"?

As the most populous country in the world, once the whole body is united and starts this war monster together, then, in today's world, who can resist it?

That's right, what Li Hongfei imitated was not the so-called British constitutional monarchy at all, but more like the "Japanese militarist" system after the Meiji Restoration.

The Nazis and the Japanese, because of their small land area and limited population resources, naturally cannot play the militarist set.

But the Ming Dynasty has this ability, Genghis Khan's Mausoleum can be transported by land to the Danube River in Europe, as the Ming Dynasty that destroyed the Yuan Dynasty, it can naturally also pass through the waterway to create a new empire on which the sun never sets!

"Do you want to make the people of the world rich through war and plunder?" Shi Kefa looked incredulous.

The idea is crazy.

War and plunder have been the usual means of the barbarians in the north since ancient times, how can our Heavenly Empire emulate the barbarians?

Besides, even if it is to be imitated, there must be a target of plunder!

Whether it is the northern barbarians, or the natives of the South Seas, these guys are all poor ghosts, the Ming Dynasty sent troops once, not to mention plunder, and may not even be able to earn back the military expenses, maybe when they see the other party pitiful, their hearts will be soft, and then they will reward a few million taels of silver for disaster relief, which is really a big loss.

The poor rob the rich, even if they only take half of their belongings, can make the poor rich in an instant, because the poor man had nothing before.

The rich rob the poor, even if they take everything from the other party, the rich will not add any wealth at all except for wasting a lot of money-making time, or because the poor man had nothing before.

The reluctance of the Central Plains Dynasty in the past dynasties to start the war lightly is like this, not to mention that it is not good to beat you, and it is also a riot in vain, which delays domestic production and development.

"No, no, no, we are a civilized country, so naturally we will not start a war easily, what we want to do is to plunder resources and dump goods." Li Hongfei is rare and elegant.

In fact, to put it bluntly, this approach is exactly the same as Zheng Zhilong's methods in Java.

Take advantage of the Ming capital, dump goods at the same time, seize the other party's mineral resources, and then spend a small amount of money to hire local people to mine their own minerals to support the people of the Ming Dynasty.

"What if the local regime is against it?" Although Shi Kefa realized the answer, he couldn't help but ask.

"Then fight until they dare not object!" Li Hongfei said coldly.

Since it is a plundering of resources, it cannot be carried out peacefully, and force is the ultimate guarantee of successful plundering.

If the imperial court does not intend to embezzle the treasury and the money originally used for infrastructure construction to wage war, then it is necessary to absorb the injection of private capital, the imperial court sends troops, the people contribute money, and the property "robbed" is distributed proportionally.

Of course, those who can afford to play the "war game" can only be chaebols with a certain strength, which do not have much impact on the people at the bottom.

The livelihood of the people in China will not be affected, and the money that the chaebol has hoarded for many years has also been put into the "market" to enjoy dividends, which can be described as killing multiple birds with one stone.

"How many troops are needed?" Shi Kefa said.

"In the early stage, it will only operate in the South and Indian Ocean regions, and a fleet of about 60,000 people will be sufficient." Li Hongfei said.

A huge fleet of 60,000 men is estimated to be the total number of troops in the Far East of the entire countries of Western Europe.

"We have borrowed this money, and I will try my best to persuade the Congress, but the Holy One will .........." Shi Kefa was moved.

"The Holy One handed it over to me, expanding the territory, and shaking the four places, I believe that the Holy Lord will not refuse." Li Hongfei is very confident.

"Anyway, you asked the imperial court to make this loan agreement public, it's not just this plan just now, right? You are a master who does not suffer losses, although these things are tempting, you yourself or Huaxia Bank, but you have not received the slightest benefit. Although he was surrounded by Li Hongfei a lot, Shi Kefa did not forget this stubble in the end.

Huaxia Bank loaned 30 million to the imperial court, and the biggest benefit seemed to be only 1.5 million taels of silver per year.

As for the recognition of the people, the development and growth of the Daming Navy, the comprehensive opening of the sea by the imperial court, the plundering of resources, the dividends of the war, etc., these do not seem to allow Huaxia Bank to obtain actual benefits.

Even if the loan incident is not made public, Huaxia Bank and the imperial court secretly cooperate, and the above final profits are divided between the imperial court and Huaxia Bank, and the profits earned by Huaxia Bank are far from being comparable to lending.

Shi Kefa does not believe that Huaxia Bank is a good ...........

"The purpose is naturally there, and the biggest benefit is that Huaxia Bank's financial resources and the strength to cooperate with the imperial court on an equal footing, and its reputation in the industry is incomparable to any money bank." Li Hongfei said with a smile.

"What else?"

"There are many more, but they are still in the exploration stage, and when the time is right, they will naturally be revealed to the right minister." Li Hongfei said.

Li Hongfei's plan is indeed very bold, but first of all, Huaxia Bank must have enough strength, and being able to cooperate with the imperial court on an equal footing has proved the strength of Huaxia Bank.

The next step is to do what any bank would like to do, which is to print money.............

In the Ming Dynasty, silver was used as the legal tender in circulation, and silver and copper coins were used for large transactions and money for small numbers, and silver and copper coins formed the main body of metal currency in the Ming Dynasty.

As for the main body of paper money, it is simpler, and the Ming Dynasty has only officially passed one kind of paper money - the Ming treasure banknote.

The Ming Dynasty is the only banknote officially issued by the Ming Dynasty, which has been in circulation in the Ming Dynasty for more than 270 years (not that it is strong, but that the Ming Dynasty only issued this one).

Ming Taizu Hongwu eight years (1375) began to build, due to the lack of copper at that time, so Ming Hongwu seven years promulgated the "banknote law", set up the treasure banknote lifting division, and then set up papermaking, banknote printing two bureaus and treasure banknotes, line with two libraries. It was issued the following year under the name of Nanjing, Zhongshu Province.

With a frame of about 30 centimeters high and a width of about 20 centimeters, it is the largest banknote in the world.

The treasure banknote is divided into six grades: one run, five hundred wen, three hundred wen, two hundred wen, and one hundred wen.

However, due to the poor paper at that time, the Ming Dynasty banknotes were difficult to last, and the Ming Dynasty banknotes were only issued and not received, neither demarcated, nor recycled old banknotes, resulting in more and more paper money circulating in the market, and the treasure banknotes were flooded, and the year of issuance was due to inflation, the depreciation was extremely fast, and the people abandoned them one after another, ending in failure.

That is to say, the Ming Dynasty government couldn't play paper money for a year, which was not worse than hundreds of years ago, when the Song Dynasty's paper money "Jiaozi" passed through the whole of Asia.

Everyone knows the benefits of metal currency, that is, it is strong, especially gold and silver, because they are precious metals, so no matter what form they take, they have strong purchasing power.

But the defect of metal currency is also very obvious, that is, it is not easy to carry, and the ordinary people can say that those big businessmen sometimes want to make a big deal, just send out the hands of people who carry silver, there are dozens.

If you go out to do business, you even have to spend a lot of money to hire a dart escort, and the cost of your business has increased a lot.

However, if it is exchanged for paper money, these situations seem to be solved.

However, because the Ming treasure banknote is not as good as a piece of paper to wipe the buttocks, the paper currency circulating in various parts of the Ming Dynasty is basically a silver ticket privately printed by the private bank.

The silver ticket can indeed solve some small troubles, but because the face value of the silver ticket is larger, it is not suitable for market circulation, and the entire Ming Dynasty, there is no money bank, which can do business all over the country.

Therefore, the regional money bank is a symptom rather than a cure, and if a large businessman wants to go out to do business, he also needs to take money from the money bank, and then hire bodyguards to escort him..........

Paper money is obviously a good thing for the convenience of the people, reducing costs and risks, and it has been strong for more than 100 years in the Song Dynasty, but why did it collapse in the Ming Dynasty in only one year?

The key is credibility.

You just issue treasure money, and you don't have enough reserves, and the common people hold treasure money, but there is no place to exchange it for silver money, who will believe you?

At least the silver ticket of the money bank, in the money bank, you can also exchange the corresponding silver money, your treasure money is not even recycled by the yamen, there is a fart to hold?

Therefore, if Huaxia Bank wants to issue banknotes, the first part needs to gain the trust of the people.

Once the loan contract is signed with the Ming Dynasty government, the name of Huaxia Bank will definitely resound throughout the Ming Dynasty.

The common people are not unfamiliar with this kind of thing, but it is the first time that the Ming Dynasty can open the money to lend money to the imperial court.

As long as the strength and financial resources of Huaxia Bank are demonstrated to the people, it is not difficult to open the market of Huaxia Bank.

Starting from the small business of deposit and withdrawal, and slowly changing people from using metal money to using Huaxia Bank's cashier's note (silver bill) for large-value transactions, and finally using paper money for transactions, this is the ultimate goal of Huaxia Bank.

This task may seem difficult, but Huaxia Bank has a unique geographical advantage.

The choice of Hong Kong as a freight distribution center is the geographical advantage of Hua Xia Bank.

Maritime trade is a large, even very large transaction, merchants often need to use a large amount of cash in order to buy goods, at this time, both buyers and sellers, invariably, hated metal money.

Sometimes a transaction, even after the negotiation, just counting the money, it will take several days, which is too wasteful for the businessman whose time is money.

Why is time money?

With the development of maritime trade, the number of merchant ships going to sea has increased dramatically, resulting in port terminals being overloaded.

At this time, the shrewd officials of the Ming Dynasty will not care about how the dock is congested, but they hope for such congestion.

Because every hour when a cargo ship docks in the port, it will pay an additional hour of berthing fees, and this alternative profit, which is different from tariffs, is naturally pocketed by the local yamen.

Therefore, completing the transaction quickly and leaving the cargo terminal is the best way for all merchants to reduce their losses.