"Ladies and gentlemen,"

Zhu Jie smiled, motioned for everyone to sit down, and then said, "Liu Sili, tell the imperial dining room to prepare a dinner, it's simple." ”

Liu Sili hurriedly went down to deliver the message.

Zhu Jie just said: "Ladies and gentlemen, you don't have such a special understanding of the current national conditions of the Ming Dynasty, as for the situation abroad, you don't even know Zheng Chenggong and Zheng Hongkui's uncles and nephews, so Fang will go to the court to prevent me from reforming the currency system, or not, today, I will put down all my affairs and give you a lecture." ”

"Listen to you!"

Zhu Jie smiled: "Okay, other gentlemen have to charge tuition for classes, but I'm good at lecturing, and I'm going to have another meal, there's no place to reason, you all listen!" ”

Zhu Jie reasoned out his thoughts and began to speak.

"First, you should know that after I ascended the throne, I immediately opened the sea ban, and at the same time set up the Ministry of Commerce and the Ministry of Taxation, vigorously encouraged commercial development, encouraged overseas trade, the Ming Dynasty was vast, mastered the vast majority of the world's advanced technology, we continued to transport goods to the South Seas, the West, the East, and then earned back a lot of silver, and the production of the people, more and more abundant, in a few years, the Ming Dynasty produced tea, grain, salt, porcelain, splendid and even cotton and linen, will be doubled because of overseas demand, when the time comes, the circulation of government and opposition currency will be faster and faster, and the materials will become more and more abundant. You've got to get a new currency, you know? ”

"Second, from a worldwide perspective, silver is the mainstream currency, from the West to the South Seas, to the East, and even the distant Americas, almost all trade is measured in silver, with the exception of a very few countries, the Ming Dynasty is copper money and silver in parallel, England is gold coins and silver in parallel, but, relative to the world, only the production of gold and silver is stable, and scarce, as for copper, just because there are few copper mines in the Ming Dynasty, not in the world, all countries have fewer copper mines, Therefore, the copper of the Ming Dynasty is expensive, and the copper of other countries is relatively cheap, which is likely to be in the future, there are unscrupulous people who use the price difference to earn ill-gotten gains, and it is we who will suffer at that time, so it is imperative to abandon the current currency system and use gold and silver as hard currency! ”

"Third, we now have Yongxing Bank as a support, Yongxing Bank now has more than one million taels of gold, more than 40 million taels of silver, such a huge gold and silver reserves, can be for us to contact the worries, even if we encounter a storm such as a run on the people, with the strong financial resources of Yongxing Bank, it can also deal with the past;"

"Fourth, that is the benefit, we mint new coins, collect gold and silver from the people, and then mix other metals, mint new coins, prohibit the circulation of gold and silver by the people, it will not take too long, the scattered silver of the people and even gold ingots, silver ingots will be affected by Yongxing Bank, when the time comes, even if it is only a two-percent interest rate difference, it is definitely an astronomical amount......

Zhu Jie spoke eloquently to everyone, and said for half an hour in one breath, although he did not have much financial knowledge, but even so, it was enough to scare Li Yan and others, after all, the name of the God of Wealth was not blown out, and who in the world did not know that the emperor had the means to turn over the clouds and rain.

"Moreover, the most critical point is that now the imperial court encourages joint consultation, and the wealthy businessmen and ordinary businessmen of the people need to borrow money from the bank to trade, right? Now Yongxing Bank in all parts of the country is a semicolon alone has been close to 100, the money in various places have either transformed into a bank, or it has gone bankrupt, Ming Dynasty and the opposition but all the business loans, turnover, almost more than seventy percent are through Yongxing Bank, other silver numbers even need to borrow from Yongxing Bank, now Yongxing Bank is under the control of the imperial court, an edict, from now on, from Yongxing Bank to flow out are gold coins, silver coins, it will not take a year, The new currency can be circulated all over the country, and it is unstoppable! ”

I have to say that Zhu Jie's establishment of Yongxing Bank is really the most forward-looking thing, otherwise, just relying on the imperial court, if you want to complete the innovation of the currency system, at this time, it is absolutely impossible, after all, the imperial treasury is depleted, there is no gold and silver, how to mint coins?

Li Yan slowly moved, the corners of his mouth twitched, and then he asked: "Your Majesty, whether it is gold or silver, it is a valuable currency, you must know that now the income of a well-off family of five in the Ming Dynasty is only twenty or thirty taels of silver a year, and the income of ordinary poor families is only a few taels of silver a year, and on weekdays, these gold coins are not used at all, silver coins, the currency is too expensive, and it is unrealistic to completely get rid of copper coins at present......

Zhu Jie frowned, this is also true, after all, in a roadside stall in the capital, eating a meal, that is, a matter of dozens of dollars, how to get change with gold and silver at every turn? However, it is obvious that now that the Ming Dynasty and the opposition are up and down, there are more and more silver in circulation, and copper coins are not valuable, so it is impossible to go out and put a few copper coins on your body first, right? Thousands of copper coins, not too heavy, but how come there are also one or twenty catties, right?

"Hmmm......"

Zhu Jie muttered: "This is not the key, the key is that we must determine the direction of currency innovation, first, the smallest amount of silver coins, weighing one coin, exchanged for 100 copper coins; Silver coins are divided into three grades, one coin, five coins, and one tael; Gold coins are divided into three grades, one coin, five coins, and one tael; All gold and silver coins, according to the weight of the mark of seventy and a half to mint, so, a down, the imperial court, every year mint millions of gold coins, 30 million silver coins, enough to deal with all domestic trade affairs, and even we can use the price difference, to the East, the South Seas, to earn foreign silver, of course, in the short term, copper coins still need to keep some, however, still need to be all recovered, re-minted, all replaced with new coinage, civil imitation is strictly prohibited, once found, to treason, wipe out the nine clans! Stop copying! ”

Annihilate the Nine Clans!

The emperor is ruthless enough......

Everyone was moved, this is a fatal thing, but since the emperor is already confident, let's give it a try......

"It's just that, Your Majesty, now Yongxing Bank is not your own, there are more than 20 large and small shareholders, and the profits are taken by these people like this?"

Zhu Jie asked in a low voice.

"Or else? Since they invested silver as the share capital at the beginning, they can naturally enjoy the benefits it brings! ”

(End of chapter)