Xu Chongguang's question immediately knocked Lu Chengqi down. Pen & Fun & Pavilion www.biquge.info Seriously, Lu Chengqi didn't think about it so much, he just knew that Jiangnan was still extremely barbaric, and he wanted to regain the prosperity in history.

"Xu Qing's words are reasonable, I didn't think about it so much for a while......" Lu Chengqi said unhurriedly.

never thought that Xu Chongguang was waiting for this sentence: "Your Majesty doesn't know something, once the imperial court bears the burden of going to Jiangnan, it will definitely be extremely difficult." The old minister dared to ask His Majesty to give up Jiangnan as soon as possible! ”

Lu Chengqi glanced at him meaningfully, and said in his heart: "This old man Xu, he will oppose whatever I support, and do it against me?" "He is still young and does not know what it means to be greedy for power. People in high positions are extremely sensitive to their own power. Whenever there is a slight threat to his position, he will try his best to prevent it, just like Xu Chongguang now. Don't he know the significance of developing Jiangnan? He must know it, and he knows how much interest is hidden in it. But it's a pity that it is precisely because this incident has great benefits and is so big that it threatens his position, so Xu Chongguang is desperate to oppose this policy for his own interests. If people don't do it for themselves, heaven and earth will be destroyed!

Lu Chengqi doesn't think so, whether it is the New Deal, the excavation of canals, or the development of Jiangnan, it is a goal that he must complete. Without thinking, he refused: "Give up? I will never give up what I have decided. Even though I was very superficial, I didn't anticipate many difficulties. But I believe that there are more solutions than difficulties. The development of Jiangnan is related to the great shun for thousands of generations, and there must be no room for failure in this matter......"

Xu Chongguang was anxious, he had always been calm and composed, but he was also a little excited at the moment: "But Your Majesty, the treasury is not enough to spend, where is the surplus money to invest in Jiangnan?" ”

Lu Chengqi blinked his eyes, as if he was soliciting Xu Chongguang's opinion: "Xu Qing forgot, did I tell you about the 'tax coupon' yesterday?" ”

The Manchu civil and military whispered, probably discussing what this "tax coupon" was. Xu Chongguang was stunned, he finally understood, the little emperor was striking! On the surface, it is to develop Jiangnan, but secretly it is to implement "tax coupons" in the name of developing Jiangnan. Xu Chongguang couldn't say it because of the bitterness in his heart: "Your Majesty, the old minister is old and can't remember clearly......"

Lu Chengqi coughed twice, and after the Daqing Hall quieted down, he said slowly: "Then let me say it again, the so-called 'tax coupon' is that in the name of taxation, the imperial court borrows money from the people to enrich the treasury. With the imperial court tax as a guarantee, the principal and interest will be returned after one year......"

As soon as Lu Chengqi's voice fell, the entire court became calm, not to mention the official and military attachés, and they were all talking about this "tax coupon".

In the Great Shun Dynasty, such a form has long appeared. During the Yuan Shou period, there was a period of government-run money lending institutions called Huiziwu, and the Yuan Shou Emperor stopped implementing it in the name of disturbing the people for only two years. The private money lender is called the money guide shop, the private first money lender is called the money people, or the money man, the money owner, and the treasury household, and the second money lender is called the money bank, also known as the pedestrian. Whether it is a land deed, a title deed, or gold and silverware, it is a good collateral. If you don't have a property mortgage, you can pledge your wife and daughter. The "money people" who have a lot of spare money are so busy with business that they have no skills to break up, so they entrust and hire "Xingqian" as an agent to lend money on their behalf. As for the interest, it is divided together, and the division ratio is usually five or five open. "Money" has no capital for profit, and is naturally highly motivated. These two are similar to the real estate boss and sales lady in later generations, the more sales lady means, the more buildings are sold, the higher the property price, the more commissions, if you sell hundreds of millions of real estate, there is a year-end bonus of five million for you to take home.

This kind of private lending, with extremely high interest rates, belongs to the business of "money makes money". Some of the people who had borrowed usury had no money to repay, and their fields, houses, wives and daughters did not belong to them. Lu Chengqi got a secret report from the Supervision Department and wanted to eradicate this industry for a long time. You must know that Ximen Qing in "Water Margin" is doing this business. Private lending is the source of land annexation. In some rural households, it is inevitable that some family members are seriously ill and urgently need money. They ran out of money, except for pawns, which were borrowed. But the borrowed money is borrowed, in case you can't afford to pay it back, or you can't read and write, you can't see the cat in the IOU, and it is common for people and money to be empty.

Of course, it is not possible to borrow at all, Lu Chengqi thought of using the Royal Bank instead. The state apparatus is used to forcibly eradicate private lending, and private lending is classified as a criminal law. It's not that Lu Chengqi is too ruthless, but this kind of usury, almost twice as much as he borrows. This kind of profiteering behavior is definitely the existence of the destruction of the country and the dynasty.

After the eradication of private lending, the Royal Bank will make official loans, showing a specific interest rate, which shall not exceed 15 percent, and it will start with a five-year period, and then a ten-year period, and then a fifteen-year period. Except for land deeds, land deeds, house deeds, gold and silverware, and antiques, no living person shall be accepted for pledged items.

In this way, the tragedy of family destruction and death will be eliminated to a large extent. After the Royal Bank made a profit, it reinvested in the Pharmacy Bureau, and sent the Imperial Imperial Court Imperial Physician Bureau to be stationed to provide free medical treatment to the people. In fact, how much money is Chinese medicine worth? It's just that the doctor's visit fee is higher. If the "pharmacy" only collects money for medicine, then the people are still worried about having no money to see a doctor!

Lu Chengqi's idea is good, but he also knows that once it is implemented, he doesn't know how many people he will offend. Therefore, he wants to start with the "tax coupon", that is, the otherworldly version of the national debt, so that the people can accept this form of official loan, and then slowly figure it out. Governing a big country is like cooking a small fresh, if you are in a hurry, it is not beautiful, and if you want to be fast, you will not reach it!

Lu Chengqi and the other civil and military officials discussed for a while before saying: "Everyone, what do you think of the 'tax coupon'? ”

Feng Chengping, the secretary of the Ministry of Rites, came out of the line with the court wat and said: "Your Majesty, the minister thinks that this matter is disgraceful to the court and inappropriate!" ”

Lu Chengqi retorted lightly: "The face of the imperial court is recognized by the people. If the people knew that the treasury was empty, the face of the court would be lost. I believe that as long as the court is willing to think about the people, how can the people not look to the court? Feng Qing said this, I don't agree. ”

Qian Zongfang, the right counselor, came out with a court wat and said: "Your Majesty, the minister has concerns about this. If too many 'tax coupons' are issued, the tax revenue will not be paid next year, and the people of Li will lose their trust, what should I do? ”

Lu Chengqi said with a smile: "Qian Qing's words are quite insightful. I had already taken a countermeasure, and only issued 10 million yuan, which was issued by the Royal Bank. The interest is 11 million yuan for one year. Could it be that the treasury has an extra 10 million yuan, and it won't last for two months, right? Without my consent, no official of the yamen has the right to issue the 'tax coupons'. ”

Doctor Yun Feng held the Chao Wat and said: "Then dare to ask Your Majesty, what form of 'tax coupons' are printed and distributed?" ”

Lu Chengqi was stunned, yes, there is no anti-counterfeiting paper in this era. As far as he knows, the paper industry was already very prosperous at this time, can it be made into watermarked paper?

"I feel that the 'tax coupons' made of gold, silver and bronze are too heavy and far from worth their worth. In that case, it is better to print on paper. Of course, this paper is not ordinary rice paper, hemp paper, yellow paper, if it is a special kind of paper. The paper is colored with red, blue, black and other coloring patterns, and the printed patterns and seals are covered. The pattern is dominated by complex house wooden figures, and the outer pattern is framed. It is best to be able to do it inside the paper, and you can see the hidden patterns through the light...... "Lu Chengqi is really whimsical, and he actually told all the anti-counterfeiting technologies of some banknotes in later generations. (To be continued.) )