Zhang Juzheng was quick in thinking, although he was in a field that he didn't understand, he still didn't mess up his thinking, and said with a sneer: "In and out as it is, is Huilian a charity hall......"

"How is that possible? How can there be a merchant who does not pursue profits......" Shen Mo laughed and said: "Let's talk about why I let Huilian carry out the bank bill exchange business." This is because when I was in charge of the Southeast Economic Strategy, I often had to purchase the military rations and materials I needed in each province, and I used vehicles and ships to pull the cash around, which was extremely inconvenient and unsafe, so I came up with the idea of paying with silver tickets. On this issue, I have also asked many merchants, and they generally reflect that it would be good to have a convenient way to settle the bill, even if it is to pay some money. In the name of the Governor of the Southeast, I sent a note to the owner of the Huilian, hoping that he would be able to do this business of custody and payment, and of course as a reward, the Huilian would charge a certain fee every time he withdrew the cash......"

"I heard that in order to retain customers, Riyilong has canceled this fee...... "Zhang Juzheng is not so easy to fool" immediately pointed out: "Even for some large depositors, interest is paid." I don't think the handling fee for the Huilian number will be charged for a long time......"

The silent smile was a little stiff, and Zhang Juzheng's words poked at his sore spot. He nodded: "In fact, hundreds of years ago, the merchants who operated silver numbers and pawnshops realized that when customers accumulated a large amount, "but there will be people who come to withdraw money every day, and there will also be people who come to deposit money every day, and after a while, they find that "there is always a large amount of gold and silver idle in the treasury." Later, they concluded that only one part of it needed to be kept as a payment preparation, and that "the rest could be used to lend money for interest...... and after a pause, they said, "Obviously, the sun is ready to go this old way......"

"Will the Huilian follow up......" Zhang Juzheng stared at Shen Mo tightly.

"Business competition, like sailing against the current, must be followed......" Shen Mo said lightly: "And to be honest, paid deposits are inevitable" is a trend and a turning point in history. Even if the day is not changed, sooner or later the Huilian will be implemented......"

Hearing him rise so high, Zhang Juzheng said in disbelief: "It's like this is the first time to listen to your warm praise......

"Not bad...... "The purpose of implementing the exchange of silver bills is to facilitate commerce and promote production. Even if you don't have the courage and ability to invest directly, you can also deposit the money in the silver number, let the silver number invest, and eat interest steadily, make steady profits without losing money, and it is better than just relying on the sky to eat. "According to what you say, it can also curb land annexation......" Zhang Juzheng couldn't help laughing.

"Why not? Why is the upper echelons of this Du Hui so keen to hoard land? It's not that they love this land deeply, but they don't know what to do other than that...... "Shen Mo smiled: "Legend has it that the rich families in the northwest are keen to use the soil to store silver, and they will not use it for a long time, but the southeast has nothing. The non-southeast is not as rich as the northwest. It may be possible to set up a factory or invest in an industry" or use it to set up a factory or invest in an industry. Give the rich one more choice, at least some of the money will be diverted and poured into the land......"

"According to what you say, "There is a hundred benefits and no harm......" Zhang Juzheng looked at Shen Mo with a playful look.

"As long as a relatively high level of reserves is maintained, there will be no risk ......" Shen Mo crossed his hands and looked back at Zhang Juzheng and said: "There is no harm to the country or the people." "It's not good for the country......" Zhang Juzheng said coldly: "No matter how lively the businessmen are, the treasury is still starving to death rats......

"First of all, the state and the court are two different concepts." Silent said lightly: "In addition, I am in favor of the ...... of the levy of commercial tax."

"It's really ......" Zhang Juzheng's body sat up straight.

"The way of heaven, the loss is more than and the deficiency is ............" Shen Mo nodded slowly: "Blindly losing the deficiency and making up for the surplus is against the way of heaven, and you will be blamed for it" Zhang Juzheng has always thought that Shen Mo, the son-in-law of a big businessman from Jiang Xi, is a full business spokesperson, but now, hearing this categorical answer, he is a little vague......

The sunlight after autumn shines through the screen window and sprinkles on Shen Mo's body, plating his whole person with a layer of gold, but it makes his face fall into a shadow, even if he is face-to-face, Zhang Juzheng can't see his appearance clearly.

"Okay...... Zhang Juzheng coughed and said, "You can have some water now......

"I can't ask for it", "Silent Waner. As he spoke, he pulled the vertical line of the corner of the table, and after a while, Wang Qiming came in to add water, and when he retreated, he carefully left a thermos bottle.

I drank three glasses in a row and was relieved. Dry tongue, Zhang Juzheng put down the teacup and said quietly: "Don't forget Jiangnan, Riyilong is still on the pole and begging to cooperate with the household department!" I can completely set aside the Huilian number, grant the exclusive right to issue banknotes, and immediately ban all private tickets. Saying that, he looked at Shen Mo provocatively and said, "You say, if I promise them a profit, will they still listen to your reasoning?" If I give the people another cent of profit, will there be any objection to the banknote......"

"This is a reckless act of the people...... "Shen Mo sneered and said: "Banning bills and making money, then the money bank used to collect the silver of the depositors, and they will not return the silver but only the money, and the depositors' tens of millions of silver will be turned into paper once ......, although it has been tyrannical in ancient times, it is difficult to divide it, right?" ”！

"How dare you say that the treasure money must be inferior to the silver ......" Zhang Juzheng glared and said: "If I take another step back and make the people exchange silver for money, I will give one cent of the profit, and pay the grain tax with the money, and give one cent of the profit, so that the people will get half of the profit, who will not exchange silver for money......"

"According to what you said, you will get half of the profit after 100 taels of silver, but if you miss 20 taels of silver, you still have to pay 80 taels! If you exchange these twenty taels for treasure money, half of the profits will also turn into paper......" Shen Moyun smiled lightly, pointing out the appearance of the country, and sent a pair of lupine scarves: "The silver of the huge million, all turned into paper, who is willing to exchange silver for banknotes......"

"You ........." Zhang Juzheng patted the case and said: "Is it only your Huilian account that sends money, and what my household department sends is all paper......

"First, the Connecting is not mine; Second, the silver ticket of the Huilian is a double guarantee with real money and ten years of accumulated credit......" Shen Mo glanced at Zhang Juzheng and said: "Does the household still have credit at all?" Does Taicang have an inch of silver as a quality......"

"I said, let the day change the dragon to guarantee ......" Zhang Juzheng's face turned red and said: "Your silver bill can be redeemed, but my treasure bill can't be redeemed?" "Then you go find the sun. He laughed and said, "Let's see if they agree."

Zhang Juzheng also laughed and said, "It seems that he can't agree......... "Unless the heads of the Jin merchants are all clamped by the door, why should they pay for the government's indiscriminate white slips?"

The two laughed at each other for a while, Zhang Juzheng was still unconvinced, and said: "Silver tickets are not paper money, but they are tantamount to treasure money, they can be attacked, retreated and defended, Jiangnan makes a good means, doesn't it just want to exclude the imperial court and let the ticket number come to the world?" "If you don't think so......" Shen Mo said lightly: "As Fang just said, you ordered the circulation of the silver bills, you are the household servant who is in charge of issuing money, and you have this power......

", Then I am too self-conscious......" Zhang Juzheng said with a wry smile at the corner of his mouth: "Compared with the big ticket number of the backer such as Wang Wu and Taihang, my squire is nothing...... "He bet that as long as he dares to expose this plan to the world and attack his own music, he will fly to the cabinet like snowflakes, and the result must be that the silver ticket is correct, but he can only leave the class gloomily."

After all, the Huilian and the Sun Dance Dragon have been established for ten years, and the silver tickets issued by them have long been deeply rooted in the hearts of the people, even the emperor can't do anything with them...... If he can't even understand this, then he Zhang Juzheng should resign as soon as possible and return to his hometown, and he can still save his family's life.

Brother Taiyue laughed...... "Shen Mo shook his head and said: "Whether it is a ticket number or a silver ticket, it is just a new thing, far less powerful", and looked at Zhang Juzheng sincerely: "But it is really a good thing for the country and the people, and it needs the protection of you and me." "I admit it, what you said is right, but you also said it, even if there are more guarantees" silver bills are the same as treasure banknotes, they are worthless paper ......" Zhang Juzheng said in a low voice: "If you use more silver tickets, once the ticket number money bank goes bankrupt, it will be useless, and the state will do the money, you can eliminate this risk......... "He still did not give up.

"Hehe......", silently sipping tea, he knew that this was the final battle, so he said earnestly: "The ticket number is only to take millions of taels of silver from the rich, even if it is turned into paper in the end, I am afraid that its harm cannot be compared with the country taking hundreds of billions of silver from the people, turning it into paper at the beginning, right?" The ticket number went out of business, and there was still a court that could make decisions for the people; But once the banknotes of the imperial court go bankrupt, who can call the shots for the common people......"

Zhang Juzheng had nothing to say, so he got up again and said: "The previous generation of Da Xianyun: "The power to manipulate money is at the top, and there is no way to get it from the bottom, so it is to be willing to keep it." , the rights of all things, collected on the top, cloth on the bottom, this is the body of the country to say ............", "look at the dilemma of the Ming treasure today, what is the system to speak of" sighed silently and said: "The money bank ticket number, after all, is just a business, always need to be credit-based, subject to the government, industry, depositors of multiple supervision, can still maintain the value of the essential, dare not indiscriminately." However, no matter how much money is whitewashed by the imperial court, there is only one in essence, that is, to make up for the lack of finances -- to exchange the money of the people for paper without rank, in the final analysis, it is a kind of plunder! The government is powerful, and the people are easy to abuse, how do you curb the government's indiscriminate impulse? He couldn't help laughing at himself in his heart, "He couldn't imagine that he had become a monetary fetishist, but he had to admit that at this stage of history, this kind of thinking was the most appropriate."

In fact, Zhang Juzheng has been silently convinced, but in his life, he has not been fully pressed like this, so he continues to let go: "This is not difficult, I only need to estimate the use of the world in advance, and agree on the number of banknotes, once the number of prints is enough, it will be stopped immediately, and after twenty or thirty years, it will be added again, it is still the same as the old style, and it is ...... if the law is not changed."

After saying that, he also realized that this method was pale and powerless. Sure enough, Shen Mo was also made angry by his strong flap, and retorted mercilessly: "Song, Jin, and Yuan's banknotes" didn't want to use it enough! But in the end, it's all indiscriminate, why? It is because it is enough for the world, and it is for the use of the country...... "The reason is very simple, the meaning of the world is that the amount of money is enough for social circulation, and it has nothing to do with whether the treasury is short of money. Just like in later generations, although the central bank is the issuing agency, you can't say that all this money belongs to it.

"If the country is in a financial crisis...... Just like now, "normal taxation cannot satisfy the country, and the imperial court must ask the people, and the law of asking for money is the most hidden, fast, and will not soon detonate the contradiction." I'm afraid it's Taiyue, you face this situation, "There is no other choice." However, although the increase in banknotes and the indiscriminate issuance of banknotes plundered the people's wealth and solved the urgent needs of the moment, they depreciated the banknotes and were still insufficient for the state. It will also hurt the hearts of the people, the gains outweigh the losses, and it is like drinking water to quench thirst......"

Zhang Juzheng was speechless, "After a long while, he nodded slowly and said: "Okay, you win, I can put this reform ...... shelved"

"Wise move...... "Shen Mo praised.

"But I have one condition......," Zhang Juzheng said.

"Please ......," said Shen Mo, frowning.

"Since the silver ticket has the function of making money, it cannot be separated from the supervision of the imperial court." , Zhang Juzheng said with a firm gaze: "I request that the ticket number of the silver ticket be issued and the personnel of the household department will be stationed to supervise." The household department promised not to interfere with the normal operation of the ticket number, but it must be aware of the amount of bank bills and reserve silver issued" and could express opinions and suggestions on this...... "Obviously, he had already anticipated all kinds of possibilities" and knew how to deal with them.

This made Shen Mo a little bothered, the reserve ratio of the Huilian, as well as the specific number of bank bills, are all big secrets, how can they be easily known by the imperial court? So he said: "This, I can't promise you for them, the Huilian is not my subordinate, and I am even less familiar with the day......"

"Don't tell lies in front of real people." Zhang Juzheng said in a deep voice: "You don't have to worry about the day, "Huilian will definitely listen to your ......"

Shen Mo knew that this step would not work, since he said that the silver horn was under the supervision of the government, it was reasonable for the family to send someone to supervise, and he was not allowed to say a word, no, ...... In fact, he had already mentally prepared that a certain degree of compromise must be made between the government and the ticket number in order to reach an understanding on the passage of the silver ticket.

"As long as Ri Yilong agrees, I will convince the ...... of Huilian" He is not the kind of person who is indecisive, so he gave Zhang Juzheng an affirmative answer.

"Okay......" Zhang Juzheng nodded heavily and said, "I believe you ......"

Although an agreement was reached ......... "Alas", Zhang Juzheng was still sullen.

Shen Mo knew why he was unhappy, and comforted him softly: "I know that you have high hopes for the currency reform, but the treasury is empty, and it is difficult for a good woman to cook without rice......"

"Yes........." Zhang Juzheng sighed, a little tired: "The vassal king does not pay taxes, the officials do not pay taxes, and the merchants do not pay taxes. The taxes of the imperial court were all on the common people, and the common people were overwhelmed, so they could only sell their land to the vassal king or the official to farm the land for the tenants or work in the factory...... If this continues, the treasury will always be empty, the people will be poor, the day of the Ming Dynasty's demise is not far away...... "the greater the hope, the greater the disappointment, his current discouragement" no one can understand. I saw him look straight at Shen Mo and said, "Is there really nothing you can do about them?" "There is a way, but it can......'t be done at the moment," Shen Mo said lightly.

"Is it a restructuring...... Zhang Juzheng's eyes flashed.

Taiyue said cautiously...... "Silent and noncommittal, this is Zhang Juzheng's answer, but it is not necessarily his own.

"I know, there are some things that should not be said right now", Zhang Juzheng's voice was full of hope again, and he clenched his fists tightly and said: "Humble words, I pride myself on saving the time, and I have nothing to spare on weekdays, but today, I really have to convince you." I would like to make a promise with you, work together, work together to help the community, and turn the tide...... "Fang just returned the debate and negotiation" and now sincerely like-minded, this kind of change, very people can, in other words, Taiyue is very human!

Fortunately, Shen Mo is also very human, he emotionally held Zhang Juzheng's hand and said: "It's still the same sentence, I recommend Xuanyuan with my blood!" Uncle, you and I will be comrades from now on! After saying this, why is this weird.

"Humble family........." Uncle Zhang burst into tears.

"Uncle knows ......", "Shen Cunyan burst into tears.

What do you say about this confession? If you want to say that the whole fake is a little wronged by the two of them, but if anyone takes it seriously, just wait to be used as a gun by the other party.

Both of them felt a chill in their hearts at the same time, but they both sat back in their seats as if nothing had happened. Zhang Juzheng continued: "Even if the currency system is not changed for the time being, the reform of other aspects is urgent, the rule of officials must be refreshed, the tax law must be reformed, and the industrial and commercial and military systems will be reformed...... All sides are imminent......"

Shen Mo nodded, and he was willing to continue.

"But the imperial court has been mired in internal friction for a long time, people fight with each other, and they have endless fun, and they regard political affairs as a tool for struggle...... "Zhang Juzheng said bitterly: "As a result, gangs are formed, the party is the same to fight against differences, prevarication, and people are superficial, so that those with aspirations consume their minds, and those who are useless are vegetarian...... In the past two years, you should have a deep experience, right? He nodded helplessly, since he came back from the south, he has made no achievements, even if he becomes a scholar, he still can't do anything, he wastes all his good time, and he feels distressed when he thinks about it.

"If we don't change, your ambitions and mine will be worn out sooner or later! If nothing is accomplished, the day of the death of the country is watched! What a shame it should be for the people of my generation......" Zhang Juzheng's voice was very low, but he still said like thunder: "We can't go on like this, we must end these meaningless internal frictions and let this country "embark on the path it should take......"

There was silence and a heartbeat was shocked.

In Qingdao, I haven't drunk Rongshan white flower snake grass water, it's a pity, go buy a bottle tomorrow, taste how this holy water is, and thousands of people have changed color when they hear it......