Lu Chengqi is not the soul of this era after all, he knows that the more silver taels are not the better. Pen × fun × Pavilion www. ｂｉｑｕｇｅ。 infoIf a large amount of silver is flooded in the market in a short period of time, the currency will start to depreciate. After Lu Chengqi told Xu Chongguang this truth, Xu Chongguang quickly came to his senses: "Your Majesty means that there is no need to mine on a large scale for the time being?" But the treasury is empty, in case ......"

Lu Chengqi said with a smile: "That's not what I mean, the silver mine should be mined and mined, but the issuance is just suspended." The number of copper coins issued should be based on the copper coins in circulation, or 10% higher or 10% lower. When Dashun commodities are unsalable, it is necessary to increase the issuance; When demand for commodities exceeds supply, issuance should be reduced. If so, we can ensure that the money in the hands of the people will not be able to buy two eggs for a penny today, and even half an egg for a penny tomorrow. ”

Xu Chongguang also knew that this little emperor didn't seem to have been in contact with trading, but when it came to money and silver, he was very honest and did not allow others to refute it. And the strange thing is that he can accurately predict and make the right countermeasures every time. Take the copper shortage as an example, a move of silver coins and gold coins will revitalize the copper shortage on the market. It turns out that Dashun is not short of copper coins, but that the purchasing power of copper coins is not enough to meet foreign feet. The little emperor issued silver coins and gold coins, and through the difference in the price of silver coins, gold coins and copper coins, the copper shortage was successfully solved. Not only that, but it also caused the price of copper to fall, and the price of silver and gold to rise. In this way, copper coins, as the basic currency, will not be "short".

This trick of "repairing the plank road in the open and crossing the Chen Cang in secret" can be called a classic. Everyone knows that silver is more expensive than copper, and gold is more expensive than silver, and there is a difference in price to be made, so why not replace silver coins? When there are more and more silver coins on the market, and the price of silver has stabilized, and one silver coin is exchanged for 800 copper coins, no one cares whether it is silver coins or copper coins.

This is true for silver coins, and the same is true for silver mines, and there is a causal relationship between the two. If silver coins are issued indiscriminately and exceed the value of the commodity, they will definitely depreciate. The officials are almost all silver coins in their hands, can they not be in a hurry? Therefore, Lu Chengqi is not only for the sake of Dashun, but also for the sake of the money bags of these officials, so he does not issue currency indiscriminately. If it is like the Ming Dynasty, it will be hard to wipe its ass in the end.

Xu Chongguang seemed to understand: "Then what does Your Majesty mean, should silver be mined or should silver be mined?" ”

Lu Chengqi nodded and said, "Not bad." ”

"It's just that the minister doesn't understand, what is the point of piling up the silver in the treasury if it is not used?"

Lu Chengqi patiently explained: "This is called reserves, and it should be needed from time to time!" ”

Han people like to "take precautions" like this, Xu Chongguang understood when he heard it, it turned out that the little emperor still knew how to "be diligent and thrifty". "But Your Majesty, there are silver minerals in Weichu, Dali, Jinya, Lin'an and Yuanjiang in Dali Mansion today, and Liangzhejiang Road, Fujian Road, and Guangnan East Road are also silver production places, in case someone steals ...... them."

"Xu Qing doesn't have to worry, the state governments in various places are strictly guarded by the Supervision Department, and no one should be so bold. Moreover, now that only silver coins are in circulation on the market, and there is no naked silver in circulation, even if they are mined, it is difficult to use them, so why be afraid? ”

Lu Chengqi doesn't seem to be worried about someone stealing silver mines, because he knows that most of China's silver mines are poor mines, which are time-consuming and laborious, and it is difficult to refine. As for the bonanza, it must be guarded by the imperial court, and it is difficult for others to get close.

"As for the treasury, there is no need to worry. June is approaching, summer grain can be collected, and agricultural taxes can also be collected. This year, except for a few places, the wind and rain are smooth, and the summer tax can be one or two percent more than usual! Lu Chengqi estimated that he said.

Xu Chongguang nodded and said, "Thanks to Huangzhuang's action, the people of Shandong East Road can be rescued this year." ”

Lu Chengqi said with a smile: "No, it should be the great work of the Royal Bank." Last year, there was a severe drought in the autumn and winter on Shandong East Road, and there was almost no harvest. If it weren't for the Royal Bank's loan, how could the people of Shandong East Road resume production? Huangzhuang and the Royal Bank are just mutually beneficial, and the real contributor is the Royal Bank. ”

Xu Chongguang nodded and said, "The Royal Bank is an official loan, and the interest is much less than that of the private loan. When the people heard the news, they borrowed loans for a year, and they didn't even pay the interest, but just used the land title deed as a mortgage. "It turns out that the Royal Bank's loan business is repaid within one year, and there is no interest. More than a year, only 10% is collected. Compared with those money people who "put money", it is like a fortune boy.

"But Your Majesty, the minister is stupid, this royal bank has opened branches everywhere, and it costs a lot, how can it make a profit?"

It's no wonder that Xu Chongguang doesn't understand, he doesn't understand that what really makes money is always the banking industry. Lu Chengqi explained: "The Royal Bank issues a deposit check, which can be withdrawn at will, and only charges a 100% handling fee. Xu Qing don't underestimate this one percent, gather less into more! In addition, it is always profitable for the people to save and borrow. Suppose a person wants to buy a house and he has no money left, he can mortgage the house to the Royal Bank and pay it back slowly. You have been living in the house, although you have paid more money, it is better to miss it, right? It's the same with buying land and doing business, no matter what, the Royal Bank always makes money......"

In fact, Lu Chengqi still has nothing to say, and when the Royal Bank is deeply rooted in the hearts of the people, most of the money of the people of Dashun is stored in the Royal Bank, for the sake of money, who will rebel? It can be said that the biggest game under Lu Chengqi is the Royal Bank.

Xu Chongguang suddenly realized: "In this way, the Royal Bank always makes money and never loses money?" ”

Lu Chengqi said with a smile: "That's right, but I don't plan to just make money, the money from the Royal Bank, take it from the people, and use it for the people." After the Royal Bank turns its losses into profits, this Mengxue will be paid by the Royal Bank, although the Royal Bank makes money, but it is always a little hard......"

Mengxue made everyone in Dashun literate and read, as a Confucian child, Xu Chongguang was in favor of it with both hands.

“…… Not only Mengxue, but also the military equipment, horses, and supervision department in the future will be funded by the Royal Bank. As for the Imperial Village, he was in charge of the Royal Roads University, the Royal Military Academy, the Nursing Home, the Pharmacy Bureau, and the Welfare Institute. ”

Xu Chongguang was a little puzzled: "Your Majesty is saying that the Royal Bank is losing money now?" ”

Lu Chengqi was stunned for a moment, and then laughed and said: "Open semicolons everywhere, how can you make money?" If you don't have three or five years, don't even think about returning to your roots! But Xu Qing doesn't have to worry, the Royal Bank has Huangzhuang deposits, and no matter how bad it is, it can survive. ”

Xu Chongguang nodded, he knew that the little emperor's attainments in money and silver were far beyond his level, and he couldn't find anything wrong.

"By the way, what is the reaction of the folk monks and Taoist priests to the reduction of the Ministry of Rites?" Lu Chengqi suddenly remembered one thing, this year's wind and rain are good, and the agricultural tax and commercial tax for monks and Taoists have also been levied, and the treasury revenue should be a lot.

Xu Chongguang smiled bitterly: "Your Majesty's move, although it is for the country, but the people have mixed reviews. Some people applauded, while others opened their mouths to slander. But overall, it's been a smooth ......" (to be continued. )