"Your Majesty, the sinner did take the silver from the palace and put the money outside." Li Weiren didn't know why, the emperor must ask him about the money in print. Isn't it asking me about my sin? Thinking about it again, there is no need to ask me about my crimes, this guillotine has been walked once, and it is still used by the emperor to judge it himself? The emperor kills a eunuch, who cares about this?

"I'm not asking you this, I'm asking you, what is Yinzi money and how do you put it? Who did they give it to? How large? How much money can I make? Yang Reform directly asked the core thing, whether this seal money makes money or not, if it makes money, then why don't you take out the millions of taels of silver in your inner treasury and put it in the inner treasury for oxidation?

"Your Majesty, Yinzi money is usury. How do you put it,...... For example, the slave and maid put money for ten hangings, for a period of one month, two dividends per month, totaling the principal and interest for one month, a total of ten hangings and two hundred wen. In addition to 30 words, each time the principal and interest should be repaid is 340 Wen......" When it comes to putting the money in the seal, Li Weiren said it very neatly, and he is quite familiar with the method of repayment. It's very simple to talk about how to put the money in the print.

"Wait...... Wait for me to sum it up......" Li Weiren said quickly, and Yang Gengai couldn't keep up with the rhythm for a while, so he used a bamboo pen to write and draw on paper.

Ten pennies, how much? A thousand wen or ten taels of silver? Ten hangs and two hundred wen, divided by one thirty days, three hundred and forty wen per day with interest, that is, three hundred and forty times thirty days, is one thousand two hundred wen, ten hangs is one thousand wen, and each hang is one hundred wen. Yang Gai quickly calculated the usury algorithm on paper. It was found that only two cents of interest was not much of a usury, which was very common in later generations, three cents and five cents of interest, and the interest of one dime was also seen.

Yang found that this money was very similar to the mortgage of the Bank of the Later World, except that the repayment was changed from every repayment to a monthly repayment. Secretly scolding in my heart, it's not a good thing. I also have a new understanding of this mortgage. This mortgage means to peel off your skin on time. If you want to say the difference with Yinzi money, it is that Yinzi money will reveal your skin on a daily basis, and the bank will reveal your skin on a monthly basis.

Yang Gai was glad that he came to the Ming Dynasty to be the emperor, and he didn't have to buy a house, buy a car, or borrow money from the bank, let alone be exposed by the bank on time. But I think again, this Ming Dynasty, God is more powerful than the bank, although it will not destroy you to repay the loan in time, but once you have no ability to repay, you will directly send someone to demolish your home, which is 10,000 times more terrible than the bank.

……

"Two cents, isn't it very high!" Yang Reform in later generations, in the mahjong parlor is not uncommon usury, two cents of interest, is really not high.

Li Weiren is also curious, this emperor also knows how to put money in India? This two-point interest is indeed not high, but for the convenience of explanation, I used the two-point interest as a metaphor, and at the moment I admired the emperor even more, and said: "Your Majesty, the two-point breath is indeed not high, and it is generally an acquaintance and a good reputation to have a two-point interest, generally three points, five points, and eight points." ”

"Oh! I understand, who is it for? "Yang Reform is ready to put the money in print, of course, he must first inquire about the customer base.

"Your Majesty, the money is generally given to people who are in urgent need of money, the best are the children of the eunuchs, then the merchants, the landlords, among them, the best in the middle of the family, and finally the gamblers......"

"Explain it in detail."

Li Weiren also put his own experience in putting Yinzi money to the emperor: "Your Majesty, put Yinzi money, the best is to choose the children of the official eunuchs, these people have money in their families, and they have a good face, and they generally will not be in arrears, among which the best in the middle of this road is better, as the saying goes, starving camels are bigger than horses, they can generally pay back, and they will not get into trouble, it is also a better choice, and then there are merchants, which is more risky, such as floating across the sea to do business, the ship capsizes, and there is nothing, but the amount of borrowing is large, The interest rate is high enough, the luck is the most profitable, the landlord is more secure, but the landlord generally will not borrow money from the seal, but will put it himself, and finally put it to those gamblers, this is fast, the speed of collecting money is also fast, but also the most afraid of not receiving money, people who do not have a little ability, do not dare to put it to gamblers......"

Yang Gengai thought it was interesting to hear it in his heart, and he gave the money back to others for grading. It seems that it is quite "professional". The children of the eunuchs borrowed money from Yinzi? This, it seems that it is not difficult to understand, and some of this things are written in "Dream of Red Mansions".

This businessman borrowed money to do business, and it is easy to understand, floating across the ocean? Well, kind of interesting. Isn't this court forbidden to the sea now? How can anyone still go to sea to do business? Although he knew that the bureaucratic landlord class was engaged in smuggling, he did not expect that the profits would be so large that he dared to use usury to run the sea.

"Li Weiren, do you mean that others borrow usury to cross the sea to do business? Did I hear me right? "The interest rate of this usury is high enough, and someone dares to borrow the usury to run the sea, what does this mean? It shows that the profits of this sea freight are unusually large, and usury is nothing in front of him. However, the ministers of this court did not allow the emperor to open the sea and prohibit the emperor from collecting customs duties. When Yang Gai heard this, the fire in his heart rose again, cutting off people's financial routes, such as killing his parents. mb, scold the one next door.

“…… Your Majesty, it is true, the slave maid has heard that in the southern Jiangsu and Zhejiang areas, it is a very cost-effective thing to lend money to maritime merchants, and the profits are extremely rich, of course, the risks are also large. However, there are not many slaves and maids here for maritime merchants, slaves and maids do not know much about maritime affairs, mainly to the children of official eunuchs, gamblers ...... "Li Weiren has to answer questions, and they are all people who have died once, so they have no scruples."

There are not many others in this capital, that is, there are many officials, and it is easier to understand that Yang Reform has taken a fancy to this, the money of the children of this official eunuch family is easy to earn, so he is ready to put Yinzi money, but he didn't expect Li Weiren to say another scene, the south gave usury to maritime merchants, and made a fortune even more. This chain of interests hidden in the fog was inadvertently told to Li Weiren.

Yang Reform's heart is like a few cat's claws scratching. At the same time, I also hated it, you are all engaged in smuggling, but I am not allowed to collect customs duties, and I want to ban the sea. It seems that this business on the sea will not be able to interfere with it by itself, and this navy has already been formed! Hurry up! Yang Gai was furious in his heart, and he couldn't wait to send a fleet to clean up those smuggling guys. And then do business by yourself, wouldn't this money cost as much as you wanted?

"What about the scale? How big is it? Enraged, Yang Gai was eager to send someone to raid the homes of those wealthy merchants in the south.

"Your Majesty, the slaves and maids are not the most, in the territory of the capital, that is, it is a medium to upper, like the scale of slaves and maids, in the capital, there are many families, all of whom have backgrounds, like slaves and maids, they can earn one or two thousand taels of silver a year, which is not much,......" Li Weiren, an industry insider, broke up the industry insider, which is quite powerful.

The water in which the money is put is not as deep as it is ordinary. The scale of tens of thousands of taels is still medium, and if it is big, wouldn't it take hundreds of thousands of taels or hundreds of thousands to be called large-scale? Yang Gai thought to himself, although the millions of taels of silver in his inner money are all to be sent out to others, but with a time difference, the money that can be released is three or four million taels, which is no problem, with his own ability to collect, who dares to owe himself money? Is Jinyiwei vegetarian? Who still has me cow b?

The speed at which money is made is quite fast. Is it for nothing for a donkey to roll around? Yang Gengai swallowed a few mouthfuls of saliva in his heart. I can't wait to find people all over the world to put the money in the print.

"Then according to your estimates, how big is the scale of the money in this capital?" Unifying the capital Yinzi money is the temporary goal of Yang's reform, and if this money is not earned, it will be struck by lightning. The biggest backstage of the Ming Dynasty - the emperor, the most bullish debt collection organization of the Ming Dynasty - Jinyiwei. In this Ming Dynasty, who else dares not to pay back?

"Your Majesty, according to the slave estimate, this capital, one hundred thousand, there are still some, but not big, it is said that in the southern Jiangsu and Zhejiang areas, this is more money in print, and the amount is also large, it is said that there are maritime merchants, a surname to borrow hundreds of thousands of taels, hundreds of thousands of taels of people in the ......" industry insiders broke the industry insider, it is really shocking.

"Goo-goo...... Oh, yes, good! Li Weiren, if you still know anything about the situation, tell me about it. Yang Gai swallowed a few mouthfuls of saliva, became interested, put the money in print, it is really a promising thing, this matter, we have to implement it quickly, as soon as possible, put the silver in the inner treasury, let it out, make money, and hope that this Li Weiren will explode more industry insiders.

"Your Majesty, the slave and maid put the seal money, not alone, there are other people in this palace, and the slave and maid put the seal money together, otherwise, the slave and the maid are a small eunuch in the key treasury, even if they can be released, they can't get it back." Li Weiren is out of the way, anyway, he is a person who has walked through this guillotine, so he is not afraid of anything, and shakes out everything that can be shaken out.

Li Weiren really exploded enough, and even his accomplices exploded together, in fact, Li Weiren took the opportunity to take revenge, Wang Chengen was able to find out that he put the money in Yinzi, that is, someone told him, otherwise, Wang Chengen took a look at the accounts and treasury, and he could find that someone stole money? Can you still find him putting money in print? So, now it's revenge. He Li Weiren is not happy, and others should not think about it.

A litter of rats? The nameless fire in Yang Reform's heart is getting bigger and bigger. His palace has become a rat's nest. Don't talk about the printing money, it's still a group to put the printing money.

;