"On the day I bought groceries, I took a hundred taels of silver to a bank to exchange for silver. Your Highness, guess how much silver you can exchange? Hu Ye said in a tricky way.

"Naturally, it's a hundred taels of silver, and at most a little handling fee will be charged." Zhu Di didn't speak, but Jin Zhong said it for Zhu Di.

"What Master Jin said is that the handling fee must be charged, but do you know how much the money bank charges?" Hu Ye asked again, this time it was Jin Zhong who asked.

"At most, charge a hundredth, that kind of money bank does business without capital, and it is impossible to charge too much." Jin Zhongcheng said in his chest.

"Presumably Lord Jin also listened to what his subordinates said, hehe, I don't know if Lord Jin's subordinates have entered the dry shares of the money bank, otherwise they wouldn't have coaxed the adults like this." Hu Ye said with a slight sneer.

He knew that Jin Zhong would not have anything to do with these money houses, otherwise he would not have become Zhu Di's henchman. But not necessarily with his men.

"Boy, what do you mean by that? Do you suspect that the old man and the money bank have colluded? Jin Zhong heard that Hu Ye was very angry.

"The kid has no such intention, since Lord Jin can be trusted by King Yan, he will definitely not do such a thing that harms King Yan's interests. But your subordinates or colleagues don't have to say so. Hu Ye was unmoved and continued.

"What do you mean by that?" Jin Zhong asked puzzled.

"My 100 taels of silver ticket was only exchanged for 95 taels of silver, and the shopkeeper still saw the face of 100 taels, so he only charged the handling fee for the completion. If it is a silver ticket of fifty taels, it can only be exchanged for forty-five taels of silver, and the real handling fee is one percent, which is comparable to the tax of the imperial court. Master Jin thinks that the existence of this kind of money bank can accumulate how much money can be accumulated. ”

Hu Ye broke the news, and then saw that Jin Zhong's face was very exciting. Zhang Yu and Zhang Fu were also angry on their faces, only Dao Yan never changed his face from beginning to end, as if Hu Ye had nothing to do with him.

"What you said is true?" Zhu Di hadn't spoken for a long time, but after listening to Hu Ye's words, he couldn't hold it back, his fists were clenched, and he didn't know what he wanted to do.

"It's true, even the old money under Brother Zhang knows this rule of Qian Zhuang. Last time, if Lao Qian hadn't stopped me, I would have reasoned with Qian Zhuang. But when I think about it, I'm afraid, if it's just a money bank, where does he dare to charge such a high fee? Is there no one behind them? If I had really gotten into trouble with them at that time, a beating would have been inevitable. As for the consequences, I think that money bank will still stand there unharmed, and my beating will be in vain. Hu Ye replied.

"Ridiculous!"

Zhu Di slammed his fist on the table, spilling tea all over the table.

"Your Highness, Lao Qian told me that this is not the only money village like this, but the money bank in the whole Beiping City, and maybe the money bank in the entire Ming Dynasty. Your Royal Highness thinks about it, the imperial court only collects 10% of the people's tax, and their money can charge 10% of the handling fee. ”

And it is not only the people who have money flowing with them, but also some foreign merchants and many officials who have money with them. Therefore, the money banks in the world, just the handling fees charged, the profits in a year are definitely more than the taxes paid by the imperial court. And that's not even counting the profits from borrowing. ”

"This kind of profiteering money bank, the imperial court only 30 taxes one, and there are many money banks that do not have to pay taxes, because they are the property of many gentry on the surface. Your Royal Highness, just imagine, the people not only have to pay a hundred percent of the taxes to the imperial court, but also be oppressed by bullies like Zhou Kai, and when they want to use a lot of money, they will inevitably be exploited by such black-hearted money banks. ”

"They have worked hard for a year, and in the end they have not left a single piece in their hands, and maybe there are still many people who still owe money to the bank. Your Highness, do you think they are not oppressing the people? Is this 30 tax really reasonable? Hu Ye asked Zhu Di.

"Damn, all the people's money has been made by these profiteers. I must explain this matter to my father, and I must raise the commercial tax. Zhu Di said viciously, he didn't expect that the vulnerable group in the eyes of his father and emperor would have such great benefits.

"Your Highness, it is impossible to raise the commercial tax in this short period of time. First, the family property of many ministers of the DPRK and China is inextricably linked with these money houses and shops. Therefore, if you want to raise the commercial tax, you will definitely be blocked by this group of scholars. Second, not all businesses are profitable, and if you blindly raise business taxes, you will beat those people to death. In this way, it may really be as Emperor Hongwu said, those merchants with small profits will put taxes on the heads of the people. Hu Ye analyzed.

A large part of the reason for the serious deficit of the imperial court at the end of the Ming Dynasty was due to the Donglin Party's resolute resistance to increasing commercial taxes. This led to the fact that the Ming Dynasty, which had a very high gross national product, had very little money and grain in the treasury. Most of them went into the hands of merchants and the Shidaifu group headed by the Donglin Party.

So much so that the emperor had to send eunuchs to collect some money and food for the palace, otherwise the emperor would have to borrow money from the ministers.

Therefore, Hu Ye resolutely believes that the commercial tax of the Ming Dynasty is a major drawback. Moreover, the current commodity economy of the Ming Dynasty developed rapidly, which was far from comparable to the early Hongwu period. Therefore, the tax rate formulated in the early days of Hongwu is no longer suitable for now.

"So what? Do you let these profiteers and fish the people? ”

Zhu Di was very angry, his beard shook up and down, and he could break out at any time. Hu Ye believes that if he doesn't come up with a countermeasure today, this Zhu Di may really take those profiteers directly.

However, this will touch the interests of the sergeant and doctor, and when the time comes, they will attack them en masse. In addition, many people in the court have complaints about Zhu Di, so Zhu Di is equivalent to being an enemy of the Manchu court, and the end can be imagined.

Hu Ye is still waiting to send Zhu Di to the throne and enjoy a few days of blessings for himself, how can this kind of thing happen.

So Hu Ye said slowly, "Your Highness is angry, this kind of thing involves a lot, if Your Highness acts rashly now, he will definitely be hostile to the civil and military forces of the Manchu Dynasty." In the future, it will be very passive. Therefore, if you want to solve this kind of interest group, you can only wait for His Royal Highness to ascend the throne and completely grasp the power. ”

Zhu Di closed his eyes and thought carefully about what Hu Ye said, which was indeed very reasonable. But then his eyes opened, and he said to Hu Ye with a hint of a wicked smile, "Little cub, you fooled me so hard." Don't sell it, if there is any way to say it quickly. ”