When King Yu heard that Zhang Chun had fallen, he said anxiously: "Feng Bao, is it serious?" Do you want to find a doctor? ”

Feng Bao said with a smile: "Your Highness, I want the slave to say, maybe the problem on your body is fine, the trouble is here." He pointed to his heart, and King Yu was puzzled.

Feng Bao had no choice but to rely on his courage and said: "Lord Wang, Master Zhang keeps saying that Master Tang regards the people as grass mustard, regardless of the life and death of the people, what is the result!" At the door of their house, setting up stalls and doing business, he jumped to his feet and scolded, and asked the officials of the government to drive people away, what is this! Isn't it inconsistent between the inside and the outside, with three swords on both sides? It's a good thing to say, but if it falls on your head, it's not like that" Feng Bao shook his head and said sarcastically: "The jade test will be burned for three days, and the material must be judged for seven years." It seems that these two poems are going to be left to Master Zhang himself! ”

King Yu had a calm face and said angrily: "Slave and maid who talk a lot, don't get out of here." ”

Boss Feng Bao was bored, the fart and urine ran away, Yuwang's face was gloomy and he looked very unhappy, he kept shaking his head, and sighed in disappointment: "Master Zhang is really too much, too much!" ”

Gao Gong didn't speak, just peeked at Tang Yi and gave him a thumbs up in his heart, this guy is black enough!

Obviously, those people at the door of Zhang Chun's house were all deliberately brought over by Tang Yi, don't you advertise that you love the people like a son, don't you advertise that you rule by doing nothing, didn't you say that you conform to the will of the people! Okay, just send people to your door, and let you endure the pungent smell of oil smoke, the smell of fishy streets, and the littering of sundries, to see if you can stand it?

When it's okay, just a stinky mouth, no one is pleasing to the eye, he is a good person in the world, others are careless about human life, regardless of the life and death of the people, and when things fall on themselves, they will change their faces, it turns out that the stolen officials are at least the same as the inside and the outside, they want to be the word, and want the archway, fame and fortune, even the stolen officials are not as good!

Tang Yi cleaned up Zhang Chun, it was simply very happy, if there was any shortcoming, that is, the means should be a little more ruthless!

A villain like this is not worthy of staying by the side of the prince at all, Gao Gongxin said, if you find an opportunity, you must let Zhang Chun get out. Gao Gong sentenced Zhang Chun to death, of course, he was more interested in Tang Yi's way of doing politics, vaguely, he felt that Tang Yi's actions had something in common with his ideas, but Tang Yi had become specific measures, and he still had some hazy ideas.

"Brother Xing, what do you think about the next step of government affairs?"

"Zhong Xuangong asked, just ask you to refer to one or two." Tang Yi said implicitly: "The people have a lot of burdens on their shoulders, in addition to the harsh taxes and miscellaneous taxes, the heaviest thing is the loan interest, donkey rolling, printing money, after borrowing, most of the life can not afford to repay, and finally was forced to ruin the family, wife separated, so not miserable." ”

Tang Yi said, Gao Gong also has a deep understanding, don't think that at the feet of the Son of Heaven is a big happy event, how much advantage can be taken advantage of. Over the years, the palace has been repaired, the Taoist temple has been cultivated, and the projects have been continuous, and the people of Shuntianfu and the surrounding areas have borne the brunt.

Almost every year, they have to work for the imperial court without compensation, and even if they work for nothing, they will delay the agricultural time and the harvest will drop sharply, but the excesses and miscellaneous taxes will not be less, and many people are forced to borrow a lot of money.

The general interest rate of the people is five cents, that is, five percent, but not annually, but monthly! If you borrow ten taels of silver, you have to pay back sixteen taels!

This can be regarded as mercy on the part of the subordinates, some of them are profitable, and the donkey rolls, and they go directly to the sky, and I don't know how much they have to pay.

This is only one of the least harms of usury, in Tang Yi's view, due to the high interest, as long as the rich lend out the money and do nothing, they can get rich returns.

It is human nature to be indulgent and dislike, and no one will be stupid to make hard-earned money if there is easy money not to earn. Excessively high interest rates directly affect the enthusiasm of investment in industry and commerce.

In fact, one of the biggest benefits of Tang Yi's establishment of a transportation bank in the southeast is that it has depressed social interest, making investing in industrial and commercial workshops more profitable than simply borrowing money. Only then did a large number of gentry flock to the industrial and commercial field, and they earned a large amount of gold and silver by relying on the trade of the city's shipping division, and the currency in the southeast market was abundant, which further depressed the interest rate on loans, and a virtuous circle was formed, and the productivity of the southeast exploded rapidly.

Tang Yi also wanted to replicate the success of the southeast in the north, but it was obvious that the conditions in the north were far inferior to those in the southeast, and Tang Yi was cautious in his actions.

"I plan to target the middle and lower class farmers, as long as they deposit more than five coins of silver in Suncheon Bank, they can become bank members, and after three months, apply for a loan from the bank, within 50 taels, with an annual interest of 15% to 20%. The money deposited in the bank shall be calculated at the rate of interest of five per cent per annum......"

Gao Gong is ambitious, and he can't wait for King Yu to ascend the throne tomorrow, and he will be the first assistant tomorrow afternoon, so as to show his ambitions. He prides himself on his talent, and there are few people in the world who can look at him.

But when Tang Yi talked about the idea of the bank, Gao Gong was immediately stunned, he had never thought about it before, and immediately became interested and asked Tang Yi to talk about his thoughts.

Tang Yi has no reservations, Suncheon Bank is an idea he has been thinking about for a long time, similar to a rural credit cooperative. The funds are mainly to absorb the deposits of middle and lower peasant households, and these people have more or less money in their hands, but it is far from enough to lend, so they can only keep it in their hands.

Suncheon Bank, using 5 percent interest, absorbs the money, not to mention that the peasant households can get some interest, once they have a wedding, funeral, or encounter natural and man-made disasters, they can get relatively low-interest loans from the bank, and they will not be burdened with huge interest and forced to bankrupt.

With the dual nature of financial management and insurance, it is obviously very cost-effective.

Tang Yi planned to put the bank into operation, not only for the peasants, but also for the small merchants and hawkers all over the capital, who had more financial resources than the peasants, and after absorbing sufficient funds. The government of Shuncheon could borrow money from banks to build markets, roads, reservoirs, and canals...... After it is built, such as the market, you can rent out stalls, roads can collect tolls, and canals can collect usage fees, in short, after the income is made, the loan is repaid, and Suncheon Bank gets a return, and then the dividends are returned to the people.

When Tang Yi finished explaining this set of ideas, Gao Gong was simply amazed. He suddenly felt that the gang of people in the household department were all rice buckets for white rice, and compared with Tang Yi, they could all jump into the pit to survive.

Gao Gongzai carefully scrutinized, and the whole strategy was almost flawless, taking care of the interests of all parties. Of course, there are also people who have losses, and that is the big ones who are pointing to the loan sharks to survive. Gao Gong asked himself, if he was allowed to deal with this matter, most of them would take strong measures to stipulate the maximum interest, who dared to exceed, severely punished, killed a person's head, and blood flowed like a river.

It's just that doing so will inevitably arouse strong opposition from the gentry, and whether they can push it down or not, Gao Gong has no confidence.

In contrast, Tang Yi's methods are much softer, but they are also much more effective.

He did not directly use the strong interest rate cut, but within the members, first lowered the interest rate, and the big investors had no way to object, and after the ordinary people saw the benefits, they would flock to join, and the power of Suncheon Bank swelled rapidly. Moreover, through the win-win cooperation with the government, Suncheon Bank has won the support of the imperial court and has completely gained a firm foothold.

The dividends earned will be distributed to the people, which will further strengthen the strength of Suncheon Bank and thoroughly penetrate into the hearts of the people, and at that time, the big investors will only have two choices, either they will be completely abandoned, or they will join Suncheon Bank and become a close interest group.

When it really comes to that time, I believe that how to choose is not at all up to those big families can decide......

What a good idea!

Gao Gong listened fascinated, and what was surprising was that King Yu also nodded frequently, and seemed to have a lot of experience, and when Tang Yi finished speaking, he asked a little shyly: "Master Tang, this Shuntian Bank, can the Lonely King join?" ”

Tang Yi was stunned for a moment, so he acted as a relief: "Lord Wang, you can support the scene, of course the minister is grateful, but you are just talking business, and you must also deposit and invest in shares according to the rules." ”

"No problem." King Yu clapped his hands proudly, "Right now, the palace is pointing at Yulu, it's too difficult to use it, if you can share some dividends from Suncheon Bank every year, life will be easier." ”

Hearing that King Yu was going to buy shares, Gao Gong frowned, obviously he didn't want King Yu to get involved in things related to silver, just be a quiet heir to the empire.

Especially what made Gao Gong unhappy was that he taught King Yu for ten years, broke and crushed the way of Confucius and Mencius, and poured countless efforts.

But the sad thing is that it can't compare to Tang Yi, who has only seen two sides.

This kid has a set of rhetoric, and he coaxed King Yu into a fascination and yearning for it. I have to say that the so-called morality is really not worth mentioning in the face of real interests.

Gao Gong didn't know whether to be sad or to smile bitterly, but he didn't want to peel Tang Yi's face, look up, it's called Wangfu, but in fact, it's not a wealthy family in Jiangnan, it's really unreasonable, it's just that, haven't you become an emperor yet, there's nothing bad about making more money!

Gao Gong comforted himself so much, but he ignored that there are some things, once they are dyed, they can't quit.

Maybe the Zhu family has some financial talents, and Yuwang is not enthusiastic about other things and responds slowly, but he has a soft spot for Suncheon Bank.

After class, he immediately scraped together three thousand taels of silver in the palace, of course, he did not write Zhu Zaiyuan's name, but used Li's brother as a head to invest in Suncheon Bank.

Tang Yi is happy to blossom, since he can't outperform Gao Gong emotionally, he will firmly tie King Yu from the interests, tie up the people around King Yu, don't underestimate them, and when King Yu ascends the throne, all of them will ascend to heaven.

Meng Chong, Chen Hong, Li Fang, Feng Bao, and more than a dozen eunuchs all got a deposit receipt.

Tang Yi specially called Wu Tiancheng over, "I will leave the matter of Shuntian Bank to you to prepare, in addition to King Yu, Yan Ge Lao, Xu Ge Lao, and Huang Gonggong in the palace, those few nobles, the benefits that should be given are indispensable." ”

"Master rest assured, the disciples all understand." Compared with the Bank of Communications, Suncheon Bank is too small to be difficult at all. Wu Tiancheng lowered his voice and said, "Master, as far as the disciple knows, Yan Shifan has transported a batch of special goods to the southeast!" (To be continued.) )