readx; came to the sect to quote scriptures and classics, and said a lot, which is nothing more than an argument that "the country cannot compete with the people for profit". Pen, fun, pavilion www. biquge。 info He thought that this was the training of a saint, and the emperor must be irrefutable, but unexpectedly, Zhu Youzhen found another way, starting with the word "people", and asked him in one sentence.

Zhu Youzhen was speechless for a while, so he said like a cannon: "Shinong businessmen, businessmen only account for a very small part of the people, and the businessmen who can afford to open a silver trumpet are even more phoenixes. No matter how rich or low its profits are, they are only the personal enjoyment of the businessmen who run banks, so how can they benefit the people? I opened the Daming Bank and used part of its profits for state affairs, and Cathay Pacific will be safe for the people, and everyone in the world will benefit, not only not to compete with the people, but to benefit the people, why not? I think it's the big businessmen and the rich people who monopolize the silver account that are the ones who really compete with the people for profit, what do you think? ”

Coming to Zongdao was embarrassed when he heard the words. He is a native of Xiaoshan, Zhejiang, and has a close relationship with Zhejiang businessmen, and he is also the behind-the-scenes boss of a silver account opened by Zhejiang businessmen. Zhu Youzhen didn't know this, but he inadvertently 'inserted' willow and asked, but he hit the key point of the sect. Lai Zongdao thought that the emperor had already known that he had stolen the silver number, and according to the rules of the officials, it was forbidden to do business, so he immediately had cold sweat on his forehead, and he didn't dare to say more words.

"As for what the two ministers said about hiding wealth from the people, I think you are only half right." Zhu Youzhen continued, "There is no contradiction between the wealth of the people and the wealth of the country. If the people are rich, the court has sufficient financial resources, and the country can ensure the security of the people, which in turn is the guarantee of the people's wealth. In the words of the common people, this is called the big river with water and the small river full. Therefore, it is not appropriate to say 'to store the wealth from the people', and I think it is more appropriate to say 'to store the wealth from the people'. Some people think that the country should be poor and the people rich, that wealth should be hidden among the people, and that there should be as little or no 'payment' of taxes as possible, but that is a big mistake. The imperial court has no money to use, so how can it train soldiers? How to Rescue Disasters? Do you expect profit-seeking merchants to do these things? ”

Zhu Youzhen's remarks can be described as heart-wrenching. In fact, whether it is the minister of the Donglin Department or the Qi Party, the Zhejiang Party, the Chu Party, etc., they all represent the interests of the scholars and landlords. The landlord has more land and needs to pay more taxes, so of course he wants to 'pay' as little as possible. The so-called "competing with the people for profit" is purely a pretext, and it is true that they do not want to lose their vested interests.

And after the landlords and wealthy merchant class mastered the right to speak through officials, they could really influence the policies of the imperial court. The GDP of the Ming Empire was the undisputed first in the world in this era, but the imperial court had no money available, and such an unreasonable situation occurred, and the uneven taxation, especially the excessive taxation of large land owners and large merchants, could not but be said to be one of the important reasons.

Therefore, Zhu Youzhen 'wanted' to open the Daming Bank, and almost all officials wanted to strongly oppose it. However, Zhu Youzhen successively refuted Qian Longxi and Lai Zongdao, and these ministers also knew that their real opposition to "competing with the people" could not be put on the table, and there was an embarrassing cold scene for a while.

At this moment, two ministers suddenly came out and said: "Your Majesty's opening of a bank is in line with the way of heaven and the people, and it is appropriate to implement it as soon as possible." The ministers were stupid and did not understand the holy will, and they only knew how to oppose it, and there was no way to solve the crisis of the emptiness of the treasury. It seems that such a misguided minister, His Majesty asked him what he had done! It only needs to be arbitrary. ”

Zhu Youzhen didn't expect that there would be ministers to help him speak, and when he looked at it, it was Zhou Yanru and Wen Tiren. He immediately understood in his heart: These two people are not the Donglin Party, and they are quite excluded in the DPRK and China, especially Wen Tiren, because the case of Qian Qianyi has completely offended the Donglin Party, and they have been impeached in the past few days.

And Wen and the others were also smart people, and they saw that the emperor was very dissatisfied with the Donglin ministers who were against him in almost everything, so he stood on the emperor's side in time and used Zhu Youzhen to suppress political opponents.

In fact, after a period of contact, Zhu Youzhen already knew Wen Tiren and Zhou Yanru. In fact, these two people are not smarter than the Donglin Party, and they have no good opinions about the difficult situation, and they don't even have any thoughts on this. The Donglin Party is still a little bit of a backbone, but these two people are quite "flattering", as long as Zhu Youzhen says something, no matter whether they can understand it or not, they just blindly agree.

But at this moment, Zhu Youzhen really needs such a "minister". In the "Emperor Ming Ancestral Training" left by Taizu Zhu Yuanzhang, there is also a chapter to teach future generations how to use power to control the ministers, which reads: "There is no unusable person in the world, a gentleman has a gentleman, and a villain has a villain." The gentleman is said to be righteous, and the villain is said to be profitable, but the Son of Heaven rules the world, and he must have both righteousness and benefit, and it is absurd to govern the profit with a gentleman. ”

The "righteousness" of the Donglin Party is only the "righteousness" of the scholars and landlords, and does not represent the people of the world. History has also proved that they are fundamentally unable to save the fate of the Chinese nation. Therefore, Zhu Youzhen suddenly felt that what Wen said on Tuesday was reasonable, and now was the time for him to use the emperor's authority.

So he immediately shouted to stop the ministers' reproach to Wen Erren, and said sharply: "I have made up my mind, and I don't need to say anything!" ”

As a result, Daming Bank was almost established on the same day under Zhu Youzhen's willful thinking. The president of the bank was concurrently served by the 'waiter' of the household department, and Zhu Youzhen immediately allocated 2 million taels of silver from the treasury and transferred it to the bank treasury of the Daming Bank.

However, the establishment is established, and Daming Bank will have to work hard to operate normally. Among them, the most urgent tasks are two: one is to let everyone know about the existence of Daming Bank, as well as its deposit and loan system, and attract deposits as soon as possible; The other is to complete the sale of the first tranche of treasury bonds as soon as possible in order to solve the urgent needs of the household department.

For the first article, Zhu Youzhen has already made arrangements. On the same day, Chen Yuanyuan's "Beijing Times" issued an extra issue, devoting eight full pages to introducing the purpose, operation methods, and specific procedures for deposits and loans of Daming Bank. In particular, the interest rates of various types of fixed and demand deposits are listed in detail and illustrated with examples.

The society of the "Beijing Times" also deliberately made a comparison between Daming Bank and private banks. As a government-run bank, Daming Bank has abundant funds and stable interest rates, but most importantly, it is more reliable than private silver accounts, because it is guaranteed by the credit of the state and the emperor's personal credit. Although the interest rate of the private bank account may be higher, once the silver account goes bankrupt for some reason, the investor will lose all his money.

Another significant advantage of Daming Bank is that there is no minimum deposit amount. The general folk silver trumpet is not aimed at ordinary people, because the 'fine' power is limited, and three or five taels of silver is not enough trouble. However, the articles of association of Daming Bank clearly stipulate that anyone can open an account, even if they deposit a penny, but the deposit is less and the interest is less.

The extras were sold out immediately. The next day, the streets of Jingshi were empty, and the 'door' threshold of Daming Bank was trampled on!

ps: Things were too busy yesterday, so I had no choice but to break off, I'm so sorry! Normal updates are back today

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