It doesn't really matter how much value the currency itself has, as long as it can complete the transaction and keep circulating, it is enough. Pen, fun, and www.biquge.info

When the imperial court accepted the settlement of silver dollars, a magical scene appeared, in order to pay taxes, merchants must accept silver dollars, if they take silver to pay taxes, they have to pay five percent of the fire consumption, this five percent price difference, merchants are unwilling to carry, it will fall on the consumer.

If you buy something for 100 yuan, I will buy it for 1005 taels, and no one is a fool, and more and more people go to the bank to exchange it for silver dollars.

The wealthy businessmen who were not optimistic about the savings bank were also dumbfounded, and continued to hoard silver and refuse silver dollars, and the imperial court did not force you to exchange silver dollars, but people have the means to clean you up.

The fineness of the silver in various places is different, and it is very troublesome to convert, plus the fire consumption, one hundred taels of silver, can have the purchasing power of eighty taels, so I secretly smiled.

It's not much better than a silver dollar! Silver dollars also have unparalleled advantages, no need to fold color, no fire consumption, easy to carry, easy to trade...... Who doesn't want to be simple and convenient in business, time is money, life is life!

I know that if I accept a silver dollar, I will be slaughtered by the bank, but what can I do if I don't get slaughtered?

They quickly figured it out, "Lord Wu, we were blinded by lard, we didn't check for a while, we didn't understand the good intentions of the imperial court, the small ones were willing to exchange for silver dollars, and the small ones took out all the silver in the family and exchanged them for silver dollars...... By the way, is there still a premium of 20%? ”

"There are less than 1,000 taels, more than 1,000 taels, gone!" Wu Tiancheng said with a straight face.

These people's hearts trembled, obediently, the first time, there is no upper limit!

"Lord Wu, you are always in business, you know that it is not easy for big guys, and the store is big and bullying customers, is it okay?"

"Guest? I think it's a bunch of villains! Wu Tiancheng said mercilessly: "You have a lot of silver in your hands, why didn't you take it out before, isn't it just hoarding, wanting to see the court and see the teacher's appearance?" Don't cure your sins, that's the kindness of the teacher, and you still want to pay a premium, dream about it! ”

The people brought out by Tang Yi are not many good men and women, and when the silver crisis was at the beginning, these people made waves behind their backs, stirring up the world uneasy, and even took the traffic trip with heavy losses.

Time has passed, I thought it would be fine, how did I think it would come?

How much money you have amassed, you will vomit it out today.

One or two pieces of silver, exchanged for one yuan, what was it at the beginning, what is it now, it is not cheap at all.

Moreover, Guan Yuan is different from the new silver dollar, and the silver content is quite different.

It's like the bank digging a big piece of meat out of them and swallowing it in one bite.

If you knew this was the case, why bother in the first place.

If you don't run on Heshengyuan, can Jin Shang continue to maintain, as for suffering such a big loss?

There are all kinds of medicines in the world, but there is no regret medicine.

The big businessmen in the capital looked at each other bitterly, and could only admit that they were unlucky.

"Lord Wu, we changed!"

"Don't be busy, there is one more thing, I want to inform you, the imperial court has promulgated a rule, and the expenses of more than 100 yuan for yamen at all levels must be accounted for in the bank. In the future, the major commercial banks and workshops, more than 10,000 yuan of transactions, but also in the bank, I suggest that you still hurry up to deposit the silver, but also earn interest, once hesitated, or privately trade with silver, if you are caught, you will have to eat jail! ”

Wu Tiancheng recklessly knocked on these people, this time the reform of the silver dollar is not just as simple as issuing a currency, but the establishment of a new power...... Kim Quan!

The first moment of the rise of Jin Quan, it was a powerful and powerful one, which made people love and hate, and they kept giving up.

As mentioned earlier, the yamen at all levels set up accounts in the bank, and the expenses had to go through the bank accounts, so that the flow of funds was well documented, and the expenditure was strictly regulated, and it was countless times more difficult to wantonly be greedy and enrich one's own pockets.

The power of this move is three points more powerful than the effect of Gao Gong's rectification of officials for several years.

In addition, business activities also have to go through the bank, and the financial situation becomes clear at a glance, and the day of full collection of commercial tax is not far off.

These two points alone make this reform full of attractiveness, but in fact, the benefits are more than that.

Tang Yi told Longqing, "Your Majesty, for a long time, there has been a problem of fire consumption in the local area, and the tax is two or three percent more than the normal amount, and even reaches five or six percent, and as for the land tax in various places, it is directly collected twice as much. ”

The silver is of different colors and needs to be re-smelted, and it will naturally be consumed in the process, but no one can say how much it consumes, so how much tax should be levied depends on the mind of the local officials, and if you think with your toes, you can know how much the merchant has been exploited.

As for the field endowment, the same is true, every 10,000 stone fields are divided into a grain area, and people with more grain are selected as grain chiefs, and the grain is transported to the warehouses in the two capitals.

I remembered that this 10,000 stone of grain was the amount transported to the destination, how much was eaten on the way, and how much was lost, all of which were the grain chief's own business.

If the food is not enough, you need to fill it out of your own pocket, and if you can't fill it, you will have to be punished.

For this reason, the grain chiefs in various places tried to collect as much grain as possible, twice as much as nothing, and some people even levied three times, not only to deal with the imperial court, but also to fill their own pockets and make a lot of money.

"Your Majesty, the silver dollar does not need to be re-smelted, and there is no problem of fire consumption, as long as it is pushed away, it is really a good government for the people, and the economy will definitely be more prosperous. A few years ago, Zhang Ge Lao proposed a whip method, and the ministers at that time were worried that the problem of fire consumption would be difficult to solve, so they suppressed it for the time being. Now that the opportunity is finally ripe, the minister is ready to promote tax reform within two years, such as in the southwest, Shaanxi and Gansu and other places, from a tax in kind to a monetary tax! ”

This reform can be said to be the most important part of all Tang Yi's reforms.

When it comes to the taxation of the past dynasties, at the peak of the Northern Song Dynasty, the annual income was 160 million, which was praised by countless people in later generations as evidence of the prosperity of the commodity economy and the prosperity and happiness of the Northern Song Dynasty.

In fact, this is a serious change of concept, this 160 million, if it was all copper coins or silver, would have destroyed the Khitan one hundred and eighty times, and there is no hope for the Dajin Kingdom to rise, so it is not possible for the Great Song Dynasty to move the earth home in advance.

It's a pity that this is not the case, which includes Guan, stone, horse, and two, all of which are discounted, and in the end it is 160 million.

That is to say, there are copper coins, silver taels, cloth, and grain, among which the cloth alone is divided into more than a dozen, and there are many, many messy things, which can only be put in the warehouse to mold, and they are not useful at all.

For the imperial court, what is really useful is money, silver, which can be sprinkled at any time, and the results can be immediate.

Currency represents purchasing power, and purchasing power can also be regarded as the power to dominate society, the stronger the purchasing power, the stronger the dominating ability, that is to say, the more powerful the mobilization ability, can quickly arm a large number of troops, with the size of the Ming Dynasty, really came to that point, it is absolutely lonely and invincible!

Tang Yi sketched a very beautiful picture for Longqing, and Longqing was almost fascinated by it.

The country is rich and the people are strong, the officials are clear and clear, the four Yi are in service, and the territory is vast!

Longqing is prosperous, maybe it's really not a fantasy.

"Master Tang, if you want to get this far, you must be very sleepy, right?"

"Your Majesty Shengming!" Tang Yi sighed: "If the fire consumes silver, the local officials will inevitably fight back and implement a whip law, and the original gentry and landlords will not be reconciled." ”

"Does the master have a clever plan?"

"Miao Ce doesn't dare to say, so far, the only way to overcome difficulties, not to avoid swords and guns, to take out the heart of a strong man to break his wrist, and strive forward." Tang Yi said: "The minister is going to implement the provincial examination and the county examination to give the officials room to rise, and then adjust the officials to reduce the pressure as much as possible." As for the implementation of a whip law, the minister thought that for the time being, he might be able to rely on the power of the industrial and commercial financial groups to dismantle the power of the gentry. ”

"The master is confident, and I will wait to hear the good news." Long Qing still has the virtue of throwing his hands in charge, anyway, he is not much interested in such a complicated matter, and what makes him more concerned is whether the silver dollar can succeed.

Since the launch of the silver dollar a month ago, the Daming Savings Bank has received a total of more than 30 million taels of silver deposits, while the actual expenditure of silver dollars is only 25 million yuan.

Don't forget, the silver dollar only has more than seventy percent of the silver content, and after calculation, it earned more than 10 million yuan in a month, which is almost as high as a year's income, and the daily income is not enough to describe the success of the silver dollar.

In fact, most of today's achievements are stepping on the corpse of Jin Shang.

If at the time of the silver crisis, Tang Yi asked the yamen at all levels to put the silver in and out of Hesheng Yuan, and let the Jin merchants help take care of the income, would there be so many runs?

The past cannot be assumed, and no one knows whether Tang Yi really has an idea not to say it, or if he just came up with a solution...... With the stabilization of Daming Savings Bank, Tang Yi came up with a new idea.

He asked the Hubu Shangshu Wang Guoguang to check the amount owed by the imperial court over the years, with a total amount of more than fifteen million taels, and the longest amount of money was even borrowed during the Zhengde period.

Looking at the mountains of account books, the elders scratched their heads.

Gao Gong had already mentioned that Tang Yi should pay off all the debts as soon as possible, otherwise the interest of more than one million taels a year would be more painful than paying out his heart and liver. Who knows that Tang Yi just didn't agree, and he was desperately borrowing, and he didn't know what he was planning?

"Lord Motosuke, it's time to unravel the mystery, right?"

Tang Yi smiled faintly, took out a letter of appointment and circulated it to the elders.

It's borrowing money again, or fifteen million taels, what is this for? Not alive anymore?

Everyone seemed to be in the thick fog, and Tang Yi said faintly: "The fifteen million taels were borrowed by the Daming Savings Bank, and the old debts should be repaid!" ”

Isn't this still tearing down the east wall and making up the west wall? What's the use of changing the soup without changing the medicine?

Zhao Zhenji and Chen Yiqin's brains couldn't turn, but the new pavilion elder Zhang Shouzhi was smart, he turned to a page, pointed with his finger, and everyone leaned over.

The interest on the new debt is only 3 percent, compared with the old debt, it is only about 30 percent, and the annual interest expense of the imperial court has dropped to 300,000 yuan at once by exchanging the new debt for the old debt!

"Oh my God, can you still play like this?" Everyone was dumbfounded. (To be continued.) )