Emperor Hongwu issued new currency banknotes, and the people traded conveniently. He also created movable type printing, and everyone had a book to read. It is really for the benefit of the country and the people, and it will be immortal for thousands of generations.

The ministers stirred and sang praises. I really want to immediately hang the portrait of Emperor Hongwu on the portrait of the saint Kong, so that I can bow and worship every day. However, if you think about it, forget it, such a thing should wait until after the death of Emperor Hongwu.

"Chen Pang Tong, there is a book!" When everyone sang praises, Pang Tong looked like he was doing things.

Lao Jia Xu touched his beard, and said in his heart that this kid has opened his mind, the emperor's least favorite thing is to shoot dragon farts, and his favorite is to do practical things as a courtier.

Sure enough, Emperor Hongwu Qin Feng didn't respond to the courtiers who sang praises, but just said to Pang Tong: "Pang Aiqing, what do you have to do?" ”

Pang Tong flicked his sleeves on his side, raised his head towards the board, and said: "Your Majesty, as soon as Weichen is in charge of the Criminal Department, the public security in various places is good, and the incidence of criminal cases is very low. However, with the rapid development of business, many people have borrowed money to do business or expand their scale. There are those that specialize in money lending, but the interest rate is very high. If there is a slight difference in the pool, it will not be on for a period of time, and it will be profitable. As a result, the incidence of such borrowing cases is high in various places. ”

"Loan shark!" Qin Feng was very displeased, "Such a person must be severely cracked down." ”

"What the emperor said is very true, such a person will be severely cracked down. However, both sides are detained by calligraphy, painting, and writing, one is willing to fight and the other is willing to suffer. As a result, many people have no face to sue the officials, and they are "underground", which is difficult for the yamen in various places to detect. ”

Emperor Hongwu nodded when he heard this, this usury, the law was very sound in later generations. It has been repeatedly banned, let alone ancient times.

Pang Tong said again: "The minister just thinks." The country's economy is developing rapidly, and businessmen are turning. Or when people start a business, there are times when it is difficult. If there is a national policy, it can benefit them. Having a fair and just way to borrow money will certainly be of great benefit to the country's commercial development. ”

The ministers nodded when they heard this, and said in their hearts that they were not at a loss, and they were the youngest military advisors in the Military Aircraft Department. Strong ability to accept new things, and have their own unique insights on the rapid development of new things in an endless stream.

So, the ministers' brains started. "Fair and equitable borrowing?"

"It's not profitable. Who doesn't want to make more money. ”

"It's unrealistic to let the borrower lower the interest rate."

The ministers had a big head for a while, and they couldn't figure it out.

Afterwards, Emperor Hongwu laughed and said, "This little problem is too easy to solve!" ”

This involves the whole business problem, it turned out to be a small problem, and it was too easy to solve! The ministers were shocked, but they thought again, the emperor was a saint. We are mortal. Things that seem difficult to mortals, in the eyes of saints, are small problems.

Then the ministers bowed down together and said, "Listen to the hadith." ”

Qin Feng smiled: "Open a bank!" ”

"Open a bank!"

"What is a bank?" The ministers chattered.

Qin Fengxin said that the ancients were so cute. I don't understand anything. Being able to make the talents dizzy, Emperor Hongwu felt it very much, and said with a smile: "Great Qin Royal Bank!" He picked up the "Grandpa Qin" on the imperial book case. The heart says that there is no coincidence that there is no book, and the issuance of currency also requires a bank. He raised his head and said, "An institution that specializes in issuing currency banknotes." The imperial court guaranteed that the people could deposit their money in the bank when they had surplus. Give interest. When you exchange huàn, you just give this kind of banknote. When people are short of money, they can come to the bank to borrow money. ”

The guarantee of the imperial court, that is, the guarantee of the Great Qin Empire of 100,000 miles of rivers and mountains, that is the guarantee of the Hongwu Emperor. Not to mention a banknote, it is really a dark coin. The Great Qin court said that it was worth as much as it was.

With the guarantee of the imperial court and the guarantee of Emperor Hongwu, this currency can be issued smoothly and recognized by the people of Daqin. This truth is understood by all officials.

The civil and military officials were a little dumbfounded at first, but after pondering it, they were shocked.

At first, the ministers were worried about the promotion of currency, but now that they have a bank, they can issue money and borrow money. It not only solves the problem of currency issuance, but also solves the problem of the people borrowing debts, killing two birds with one stone, which is really mysterious.

Emperor Hongwu said casually, and he solved the big problem involving the country, and the saint could not solve it so quickly, only the gods had this ability.

The six bodies admired by the ministers fell to the ground and shouted: "The emperor is really a god!" ”

Yes, Emperor Hongwu has been upgraded again.

"The Emperor Shengming!"

"Wise!"

The ministers are happy and have a good national policy to be born, and they will develop in the future, and their achievements will be greatly dropped, and they will sing praises one by one.

However, when the main hall was full of praise, Zhou Shan walked out with a worried face and said, "Your Majesty, if you give interest, won't you have to pay for it?" ”

"Huh!" The hall fell silent.

The ministers who sang the hymn closed their mouths one by one, and said in their hearts that this was a "stupid trick to mislead the country", so let's see if it is a let's talk.

Although Zhou Shan didn't think it through, he finally saw the disadvantages of only not being able to get in, so he was better than others. However, there is a specialization in the art industry, and it cannot be said that talents who do not understand economics are not good.

"It's good that Aiqing can say it. If you have doubts, you have to speak out, and if you nest in your stomach, it will be a bad thing. Qin Feng said with a smile: "The people deposit it, and the bank will give interest." When the people borrowed money, they had to pay interest to the bank. Borrowing is risky, and if you don't pay it to the bank, you will lose it. Therefore, the interest rate of borrowing is a little higher, and the people can understand it, don't you say? ”

"In this way, one in and one out, one high and one low, you can make money." Qin Feng finally said. In fact, there are many ways in this, and when they are professionally spoken, hundreds of officials can't understand them, and Qin Feng can't say them all. It's better to say it in layman's terms, so that everyone can understand it.

Sure enough, the hundred officials understood and were shocked, using the money of the people here to earn the money of the people there, "Isn't this an empty glove white wolf!" ”

"Don't talk nonsense! This is a great thing for the benefit of the country and the people. ”

"Yes, yes, great thing!"

As a result, the silent hall boiled again. The civil officials all sang praises, the emperor of the ages, the saint of ten thousand years, threw out the money without money. The military generals smacked their tongues, and they couldn't understand these literati at all.

However, Zhou Shan was full of worries and said, "If you can't do it yet." If you don't, you will lose it! ”

As soon as these words came out, the hall suddenly fell silent again.

The ministers are all seven-hearted. The heart said that the people came to borrow money, but if they couldn't pay it back. There's no money here. Those who save money come to withdraw money again, but they don't have money to take it. The imperial court, Great Qin, and Emperor Hongwu lost face, and the people had no money, so they didn't want to rebel.

The ministers looked at each other, maybe it was a "faint trick to mislead the country", or let's take a look. So, the ministers turned their faces up. Look at the five-story high dragon platform, what the emperor Lao'er said.

"Good, good, ......." Qin Feng still praised Zhou Shan first, the president of the Great Qin Royal Chamber of Commerce did not work in vain. Only then did he say, "You can get a mortgage." For example, the people have no money, but they have houses, land, and these are valuable. Qin Feng snapped his fingers, "Valuable furniture, carriages and horses." goods, stable dìng work, these can be used as general collateral. And so on, your chamber of commerce can study and study well. ”

"Huh!" The ministers' ears pricked up. Yes, I don't have any money, but I have a house and land to mortgage. The accounts of the imperial court. But no one dares to rely on it, and you won't lose money.

And so. The ministers danced and began to sing praises again. What a world policy. Prosper the economy, give preferential treatment to the people, and throw away all the money that you don't want.

Zhou Shan also understood it, and he was very shocked. This bank is a new industry, and it will definitely be able to make a lot of money. Especially with some people's money to earn another part of people's money. You don't have to pay for your old book, just wait to count the money.

This national policy, the gods and men can't think of it.

The hundred officials bowed together and said, "In this way, Daqin will not have to worry about the treasury running out of money." The emperor is a holy man too! ”

Emperor Hongwu was promoted three levels in a row today, and the saint was promoted to the holy person. Haha smiled, and said in his heart Who is the richest in the future generations and who will open a bank, do you still need to ask? Are real estate agents rich? I also had to take out a loan, and in the end, the bank made money.

Therefore, Emperor Hongwu ordered the Daqin Royal Chamber of Commerce to be responsible for the establishment of the Daqin Royal Bank. Emperor Hongwu suddenly realized that this currency must have a standard. So, Qin Feng asked Zhou Shan to find all the elites of the Royal Chamber of Commerce.

Qin Feng first proposed the gold standard, but then after pondering, this gold standard later collapsed. Collapse things, Qin Feng will never use them. Fortunately, Qin Feng has acted in many dramas in his later generations, including financial dramas. So he studied with the elites whether Daqin would be able to implement the credit standard, and whether the people of Daqin would trust the imperial court.

The elites immediately knelt down and shouted: "If the people don't believe in the emperor, who else can they believe?" If anyone dares to shout "don't believe the emperor" on the street, it is estimated that they will be killed by the people around them the next moment. ”

The people of Great Qin fanatically worshiped Emperor Hongwu, which was the strongest foundation of the credit standard. As a result, Daqin began to implement the credit standard.

In June, the Daqin Royal Chamber of Commerce began to prepare for the establishment of a bank nationwide. The Great Qin Imperial Court issued a notice, and the Great Qin Law added a banking law. In order to protect the interests of the people from being infringed upon by lawbreakers, banks are state-owned, and private individuals cannot open them.

What does the Great Qin Royal Chamber of Commerce eat? It monopolizes one-half of the country's market, and there are chapters all over the country. A large flock of pigeons flew out, and in the blink of an eye, a large number of banks were opened, and the publicity continued.

On the other hand, the mint on the outskirts of Yedu was surrounded by the most loyal and elite troops. Employees, almost stripped naked to commute to and from work, so as not to be entrained. Boom, the money is like running water. That's really, hundreds of thousands a second.

When Qin Feng took the military advisors to visit here, the military advisors trembled in their hearts, this is all money, it is so easy to earn, and it is tens of millions of dollars. Emperor Hongwu lit a stack of banknotes, cramped, and couldn't wait to sleep in the mint. The same is true for military advisors, who have never seen so much money together in their lives.

And everywhere, the people who lived a good life were full of fanatical admiration for Emperor Hongwu, and heard that the imperial court had opened a bank, and there was interest on the money.

This guy is amazing.

After living a good life, who has no money to spare. If you put it at home, you are afraid that the thief will worry about it, and there will be interest on it when you deposit it in the bank. So, as soon as it was out of control, the people took out the surplus money from their families and deposited it in the bank. Here it also advertises a new currency, guaranteed by the imperial court.

The strength of Great Qin and the prestige of Emperor Hongwu played a decisive role. The credit standard was immediately built, and the people immediately recognized the new currency, which was lightweight, practical and good-looking, with the head of "Grandpa Qin".

The merchants saw that it was good that there was a fair and just place to borrow, and the interest rate was much lower than that of usury. So, they all came to Daqin Royal Bank to borrow.

In this regard, Daqin has a bank, Daqin has a new monetary policy, and the economy is prosperous and developing.

At the same time, dozens of cargo ships loaded with longevity tobacco, some entered the Persian Gulf, some passed through the Bab el-Mandeb Strait and the Strait of Gibraltar into the Mediterranean, and arrived at the major ports of Rome one after another.

And one of them went straight to the port of Genoa, Rome itself.

Rome had a huge territory, conquered many civilizations, and had countless provinces and cities. But in general, it can be divided into five major regions around the Mediterranean, from west to east, Gaul and the Iberian Peninsula, Rome proper, Greece, Egypt, Babylon, and Britain.

In addition, Macedonia, Thrace, Troy, Sparta, Carthage, and other prosperous places around the Mediterranean Sea were all arrived by Great Qin cargo ships.

Daqin's longevity cigarette has passed through thousands of miles of sea, and it is finally going to be sold throughout Rome. (To be continued......)