Chapter 6 Convinces the Queen Mother

"The Qing family has always been worried about the country and the people, and they have done their best for the Ming Dynasty. Someone did mention the matter of the bank before, but the emperor and the mourning family always thought that Yue Qing must have a proper solution. Since the prince of Shancheng has made a proposal, the Qing family may wish to listen to it, if it is indeed feasible, the emperor will definitely follow the good. ”

After listening to Yue Su's words, Zhang Yan answered directly.

"Shancheng Boshizi's suggestion is to expand the banking business, such as private lending, as well as remote deposits and withdrawals. Nowadays, private lending is mainly borrowed from pawnshops and usury, and the people suffer a great loss, and the pawn is okay, but the usury has harmed many people's families. If the imperial court could borrow money from the bank, it would definitely benefit the people a lot. For example, in the year of poor harvest, the people did not have the silver to buy grain, so they could use the land as collateral to borrow from the bank to buy grain, and the court had a little interest, so that the people solved their urgent needs and the court also had income. Of course, private lending is not known for these, there are also people who are for business, lack of a certain amount of capital, or lack of capital turnover in stores, such things must be common, as long as they can come up with a mortgage, the court can lend. Deposit and withdraw silver in other places, in order to facilitate private business, businessmen go out, come and go from the south to the north, need to carry a large amount of silver, on the road, in addition to hiring bodyguards, but also do not know the good fortune and misfortune, not only that, businessmen to do business in other places, there is also the possibility of encountering the situation that the cash in the hand is not enough, if the bank has the role of being able to withdraw silver in other places, it will avoid the above two situations, it is estimated that it will soon be recognized by the merchants, the silver will be deposited in the bank, when the silver is withdrawn in the field, the court can charge the fee, this fee, It can be set at a lower cost than hiring a bodyguard. ”

Yue Su talked eloquently and told the results of his research with Li Yuanchen.

"This idea is really good, mortgage loans, interest on court income, and benefit the country and the people. The imperial court could charge a certain fee for withdrawing silver from the bank in other places, which was also convenient for merchants and was also a policy for the benefit of the country and the people. However, there seem to be some drawbacks in this, for example, private lending, once it rises, how can the imperial court lend so much silver to the people? When you take money from other places, you are afraid that it will be difficult to distinguish the authenticity of the person who takes the money, and it will cause a lot of trouble. "Zhang Yan has presided over the court for so many years and has seen so many aspects of the world, and immediately analyzed a lot of hidden dangers.

"The queen mother is worried about things, and the minister has also taken it into consideration, so he doesn't dare to promote it across the country immediately. Shancheng Bo Shizi suggested that he was willing to invest in the joint establishment of Anmin Bank with the imperial court, as an early attempt, the imperial court contributed 7 million yuan, the Li family contributed 13 million yuan, and the operating profits were equally divided between the two sides, the Li family had the right to operate, and the imperial court exercised the right to supervise, first opened in Huguang and some state capitals, and gradually expanded. The minister thought that with the backing of the imperial court, coupled with the strength of the Li family in business, there should be no risk in expanding the operation of the bank, and the Li family did not dare to pit the silver of the imperial court. Moreover, the Li family also promised that they would never carry out currency exchange business. Yue Su said calmly.

"The Li family is willing to contribute 13 million yuan......" Hearing this figure, Zhang Yan and Yue Su were also stunned when they first heard it. Zhang Yan knew that the Li family was rich, but she didn't expect that it would be so rich, and this way of doing business was too powerful. Immediately after, Zhang Yan considered the issue of opening Anmin Bank, businessmen have always been unprofitable, and since the Li family has seen this business, it seems that this business should be profitable or not. There is another point, which is more important, that is, who has eaten the bear's heart and leopard gall and dares to come to the court for silver. "Yue Qing, since Shanchengbo's family is willing to cooperate with the imperial court to open Anmin Bank and jointly develop the banking industry, then this matter can be tried. However, the Qing family had to say hello to the Li family in advance, no matter what happened in the end, the silver of the imperial court must not be compensated, even if the business was lost, the seven million taels of silver had to be brought back to the imperial court. Otherwise, the imperial court will copy his Li family to return it. ”…,

When Zhang Yan said this, she also expressed her agreement to cooperate. Although it is an overlord clause, it is also the helplessness of the imperial court, seven million taels of silver, for the imperial court, it is not a small amount, the tax of the Ming Dynasty is only a few dollars a year, especially now it has exempted three provinces from taxes for three years. Yue Su hurriedly bowed and said: "The minister obeys the order, after going back, he must tell Shancheng Bo Shizi what he said, if he is still willing, then cooperate, if he is unwilling, then give up." ”

"Exactly." Zhang Yan nodded, and said, "Is there anything else in the Qing family?" ”

"But there is one more thing. Now that banks are opening and the treasury is far more abundant than in previous years, it is the time to show its strength, develop and consolidate ZTE. The ministers intended to lift the sea ban, open the sea for overseas trade, increase the income of the state and the people, and introduce some foreign crops and production technology, so that the Ming Dynasty could be more prosperous. Yue Su bowed and said.

"Contact the sea ban ......" Zhang Yan hesitated and said, "Is this okay?" Will there be any undesirable consequences? "Zhang Yan doesn't know much about the opening of the sea, and she has only heard that there was a lot of trouble in the past. But now there are no more widows, and she doesn't know what it will be like after the sea is opened.

"Bad consequences, the minister thinks that there will be no big consequences, now my Ming sailor is strong, even if there is really something unexpected to happen, the minister also believes that with my Ming strong military strength, it will definitely be solved. Moreover, the minister did not plan to open the sea all at once this time, but only planned to open the port in Rizhao County first, step by step. Rizhao County is not far from Dengzhou, Dengzhou has now set up a water division, once there is an incident, Dengzhou's water division can rush to the aid in the shortest possible time to ensure that no accidents happen. Also, after the opening of the sea, it is bound to bring a lot of income to the imperial court, whether it is a merchant going to sea, or entering the port, the imperial court can levy heavy taxes, and the micro-ministers plan to increase the tax silver by 100% when they go to sea, and the goods entering the port will increase the tax silver by 200%, and the profits of overseas trade are huge, and the merchants must be willing. In addition, the warships of the imperial court could also go to sea to trade, and protect the fleets of merchants, collecting protection fees from merchants. In this way, the imperial court will definitely increase its income every year. Yue Su said in an affirmative tone.

"Is there really such a big income?" Zhang Yan asked noncommittally.

"Please rest assured that as long as the port is opened, the income of the imperial court will definitely increase day by day, and there will never be the same situation as before." Yue Su said.

"What the Qing family said seems to be reasonable, but the matter of banning the sea was decided by the ancestors, once the sea is opened, will there be something wrong...... Zhang Yan said with some embarrassment.

"Queen Mother, what you said is wrong. During the Chengzu period, Chengzu sent Zheng He to the Western Ocean seven times, and my Ming Dynasty was extremely prosperous. The shipping was prosperous, the treasury was also full, and Chengzu could still take out enough silver to build the Great Wall and compile the Yongle Ceremony. In the later period, the sea was forbidden, and it was only because of the rebellion of the Japanese that they had no choice but to do it. At present, the four seas are peaceful, there are no more Japanese robbers, and it is the right time to lift the sea ban and carry out ocean trade. Yue Su said.

"That's right......" After listening to Yue Su's words, Zhang Yan suddenly felt that his mouth was suddenly opened, thinking that Yue Su's words were right, and there seemed to be nothing wrong with opening the sea without the Japanese Kou. So, Zhang Yan said again: "Yue Qing, this matter, your cabinet votes for it, if you think it is feasible, the emperor will approve it." ”

"Obey." Yue Su bowed slightly, and then said: "The emperor, the queen mother, and the minister have another matter, and I want to play it." ”

"If the Qing family has anything, just say it." Zhang Yan said.

"What the minister wants to say is about the feudal king's fief." Yue Su said.

"About the matter of the feudal king's fiefdom......" Zhang Yan sighed and said: "Yes, the matter of this feudal king's fief is indeed a headache. At the beginning, it was slow, but it dragged on until now. Aiqing, see if you can carve out some land, and return it to King Fu first, so as to save him three days and two ends. ”…,

It turned out that the land of King Fu at the beginning, the Queen Mother's sentence would be said later, and Lord Yue would really talk about it later. Moreover, this will be shelved indefinitely, and a year and a half have passed since the eradication of the Liukou, and Yue Su has not mentioned the return of King Fu's land. King Fu went to the fold every once in a while, and the Queen Mother also mentioned this matter to Yue Su three times and twice, and Yue Su was able to delay it until now.

Today, Yue Su mentioned the land of the vassal king, and Zhang Yan thought that Yue Su was talking about King Fu.

"Queen Mother, now the minister wants to allocate some land to return to King Fu, but the land in the world has its own owner, once the people's land is forcibly confiscated, it will not cause any uproar, if there is a rebellion again, the world that is finally stable will not be chaotic again. The minister had contacted some nobles and wanted to buy land from them and return it to King Fu, but those nobles were unwilling to sell their land, so the minister had no choice. Yue Su said in embarrassment.

"Yue Qing, don't the previous lands also have owners, but aren't all the ancestors and ancestors able to reward the land to the vassal king. Why is it that now, it can't be done? Zhang Yan was polite, but she was extremely unhappy in her heart.

"This is the case, but it is because the emperors of the past generations have always rewarded the land to the vassal kings, so that the people have no land in their hands. The people have no land to cultivate, so what do they eat, they have no choice but to take risks. A few years ago, the emperor and the queen mother were not unaware, if the people could have no worries about food and clothing, would they rise up? ”

"This ......"

Yue Su's understatement made Zhang Yan speechless, and it took a long time to squeeze out a sentence, "This ...... It's not because of ...... There is a great drought in the world...... Is it a ...... caused by years of failed harvests?"

"It's a great drought in the world and a harvest that has been lost year after year, but the Queen Mother, you know how much grain Li Zicheng found in King Fu's mansion after breaking Luoyang. There is a lot of grain, which can be described as piling up, and a lot of grain has become moldy, even so, the remaining grain is enough for Li Zicheng's hundreds of thousands of soldiers and horses for three years. Li Zicheng's soldiers and horses have nearly 400,000 people, and the food in King Fu's family is enough for 400,000 soldiers and horses to eat for three years. If King Fu was willing to take out food to help the victims, would he end up being eaten by the rogues? Yue Su said earnestly.

"This ......" The meaning of Yue Su's words, Zhang Yan understands, if it weren't for the fact that the vassal king was rich and unkind, and he was willing to take out food for disaster relief, the chaos would never have become so big that it was almost difficult to clean up. After pondering for a long time, Zhang Yan said: "The truth of what the Qing family said, the mourning family understands, but the land of King Fu is rewarded by Emperor Shenzong after all, and it is really unreasonable not to return it to him now." ”

"This is what the minister wants to say to the emperor and the queen mother today. The vassal king was rich and unkind, occupied a large amount of land, harvested a large amount of grain, but did not come forward when the country was in trouble, so that in the end, he was in a different place, and the food in his family was paid to the rogue. On the other hand, the imperial court had an empty treasury and expensive rice in the capital, and even the food supplied to the front line had to be obtained through donations and cooperation with merchants. If the imperial court has its own land, stores its own grain, and reserves it year after year to prevent natural and man-made disasters and fully curb the price of grain, will such a thing happen? Yue Su asked rhetorically.

"This ...... The whole world is not the king's land, and the land in the world is all the emperor's, so what is the land of one's own. Zhang Yan said.

"That being said, the whole world is not the king's land, but the emperor and the queen mother are not without seeing that when the rogue is in turmoil, the price of grain continues to rise, even the officials are unable to buy, and the court even supplies the grain to the army to be funded by merchants. The land in the world is either in the hands of the vassal king, or in the hands of the rich and landlords, most of these people are in vain to care for the monarch's grace, and when the country is in trouble, it is just that they do not work together with the imperial court, and they also make a lot of money in the country. What if the imperial court continues to let it go, and decades later, if such things happen again? ”…,

Yue Su's words completely made Zhang Yan not know how to answer. It is said that the whole world is not the king's land, but when the rogues were in turmoil, it was difficult for the imperial court to get some grain, and the price of rice in Beijing made it unaffordable for low-level officials, let alone the common people. The most infuriating thing is that even the earls in the court, when the country is in trouble, do not stand together, and are the first to think about making a fortune. If this goes on like this, who can guarantee what the future will be. Yue Su was right, but these things have become facts, and it seems impossible to change them.

"Qing family, you are not wrong at all, but now it is like this, these are ancestral systems, and it is impossible to change them. Once there is a change, there must be no chaos in the world. Zhang Yan said embarrassedly: "Also, it is the matter of King Fu's fief in front of me, is there any other way for the Qing family?" If it is delayed any longer, the court will really not be able to say it. ”

"Your Majesty, the Queen Mother, the minister has a way to solve the matter of King Fu's fief, not only King Fu's fief, the minister is even thinking that if all the vassal king's land can be recovered, and all the grain harvested in the future will go to the treasury, then the court will never be in trouble because of food in the future." Yue Su said.

"Ah......" As soon as she heard this, Zhang Yan was taken aback, and she took back all the land of the vassal king, how could this work. What about his own sons and sons, not to mention the division of land at that time, and those vassal kings are all clans, relatives of the emperor, how can the court do this.

"Qing family, this is absolutely not good. This, let's talk about King Fu first. Zhang Yan was stunned for a long time before this sentence came out.

"The matter of King Fu, the minister thinks so, doesn't King Fu have a total of 20,000 hectares of land, he wants the land, and the court really can't take it out for a while, but if he wants silver, the minister thinks that the court still has the strength to compensate him according to the price of the land." Yue Su said.

"Converted into cash." Zhang Yan was taken aback by Yue Su's words, and hurriedly said: "20,000 hectares of land, how much silver does it have to be, how can the imperial court give him so much silver." ”

"The minister roughly calculated, there are fifteen million taels of silver, which should be enough." Yue Su said with an oath.

"Fifteen million taels...... Yue Qing...... Are you ...... today? "I didn't ......" Zhang Yan originally wanted to say, 'You don't have a fever', but Yue Su's identity is there after all, as the queen mother, how can she say this. She hurriedly changed her words and said, "How can the imperial court get so much silver?" ”

"The matter of silver, please rest assured that the queen mother, since the minister dares to bring it up, he will definitely be able to earn this silver for the court. Moreover, not only can the land of King Fu be redeemed with silver, but also the land of all vassal kings can be bought back with more silver, so that these lands can truly become the land of the emperor and the land of the state, and all the grain will be collected into the treasury, and the more can be sold at that time, and it can be used for disaster relief in the year of the catastrophe. Yue Su said generously.

Seeing what Yue Su said categorically, Zhang Yan was shocked. In these years in a high position, how did she not know that if the land of the vassal king was recovered, it would reduce a lot of pressure on the imperial court, and indeed as Yue Su said, the imperial court would have a lot of grain, more of which could be sold, the treasury was abundant, and she was no longer afraid of disaster years. However, can this be done, the land of a blessed king is worth fifteen million taels of silver, and there are more than 20 princes of the Ming Dynasty. Zhang Yan didn't dare to think about this number.

"Queen Mother, don't you believe Weichen's words?" Yue Su saw that Zhang Yan didn't say a word for a long time, and asked out loud.

"Ah...... The mourning family was frightened by the idea of the Qing family...... "Zhang Yan told the truth, "Aiqing, you are right, if these lands can really become owned by the emperor, the imperial court will indeed have a full treasury in the future, and it will no longer be afraid of disaster years." But where does all this silver come from? ”…,

"From the banking industry as well as from the ocean industry. Your Majesty and the Queen Mother can rest assured that it won't take long for the ministers to earn this silver for the court. It's just that if the minister earns this silver, will His Majesty and the Queen Mother agree to the minister's request? Yue Su said.

"If the Qing family can really earn so much silver for the imperial court, the mourning family and His Majesty are naturally willing. But I don't know how long it will take, and the other vassal kings, it's okay to say, King Fu, should you hurry up. Zhang Yan said.

"If the queen mother agrees to the minister's request, the king of Fu is actually easy to do, just give cash and cover the land. With so much silver, the minister will not be reluctant to think about the blessing king. Yue Su said.

"If you give him fifteen million taels of silver, King Fu should agree. It's just that now, the treasury is just abundant, and it's really ...... to take out so much silver at once" Zhang Yan's face showed reluctance. The treasury is indeed abundant now, but there are no 200 million silver in it, after all, banks everywhere also need silver dollars to turn around, and how to run without leaving some money.

"Queen Mother, this kind of thing is easy to do, the key is whether King Fu agrees or not. The minister thought, it is better to do this, first issue an edict to King Fu, tell King Fu that there is no land for the time being, if you want, the court is willing to take silver to top, according to the price of the land. 20,000 hectares of land, valued at 15,000,000 taels of silver. After King Fu receives the decree, the court can pay him five million taels first, and the rest of the balance will be given to him in two years. The minister dared to promise that within two years, he would definitely earn this 10 million taels of silver. Yue Su said affirmatively.

"Give him five million taels first...... Zhang Yan took a deep breath, gritted her teeth, and said, "Okay, since there is a Qing family, then give him five million taels first." Wait for the mourning family to ask Liu Mingguo to draw up a decree and tell King Fu that the land is gone, and he can only use silver to offset it. With so much silver, he won't feel unjust. ”

"The Queen Mother. There are no other things to do with these three things. When the ministers returned to the cabinet, they voted with the ministers on the matter of opening the sea. With that, Yue Su stood up, "Your Majesty, the Queen Mother, the minister will retire first." ”

"Good. Aiqing walked slowly. ”

Yue Su returned to the cabinet, and immediately summoned all the ministers together, talked about the opening of the sea, and asked the ministers to vote.

The current Yue Su can be said to be in full swing, and the members of the cabinet, except for the first assistant Han Yi, are all obedient to Yue Su, even if it is Han Yi, at this time, he is still his clay sculpture, as long as it is something that Yue Su mentions, they all nod.

Therefore, this so-called vote, that is, a situation, was unanimously approved and submitted to the celebrant and superintendent. Then, the celebrant handed it over to the Queen Mother, and the sentence was approved, and the decree was stamped and put into effect.

At noon, Yue Su returned to his mansion and told Li Yuanchen the meaning of the Queen Mother. As soon as Li Yuanchen heard this, he laughed at the time, although the queen mother is the mother of a country, she didn't expect that she was also a little woman's heart. But okay, don't you want to lose, my Li family promised you, even if you really lose it in the end, I will pay you back a lot of your seven million yuan.

What does the Li family do, doing business is about vision, this business, to be honest, the Li family can do it themselves. However, it is useless for his family to be capable, without the support of the imperial court, everything is fake. To put it bluntly, the main thing to pull the court into the gang is to have this identity. In this world, who doesn't want to do business in partnership with the imperial court.

Li Yuanchen agreed, and Yue Su met again in the afternoon and told Zhang Yan about the matter. The Li family agreed, and for the imperial court, this transaction is only profitable and not lost. Zhang Yan asked Liu Mingguo to immediately draft a decree, and at the invitation of Li Yuanchen, the imperial court and the Li family jointly opened Minsheng Bank.

The will to lift the ban on opening the sea and the joint venture bank was issued one after another, and then the will to King Fu was also stamped and sent to Luoyang.

All this was carried out in an orderly manner in the palm of Yue Su's hands