Now the prince is doing well, if he didn't dream last night, he didn't know those things, he would definitely choose An An to assist the rulers.

That is, whoever is the emperor can do it.

Now, the dream is too real, but he can't say it, if he wants to change the outcome of not being invaded, then he can only make drastic reforms, but how difficult it is to reform.

His emperor Ama is a wise monarch and is decisive in doing things, but there is one thing, that is, he cares too much about reputation, and reform is destined to be a bloody process.

He was not sure that he would order the reform, and if the next emperor was his brother, he would not be able to do it.

Speaking of which, Yinzhen seems to have only one choice, and that is to win the heir.

It will be more effective to take power into one's own hands and issue policies when the time comes.

But when he thought of winning the heir, Yinzhen couldn't help but think of Yongzheng's tired life, and he wanted to live comfortably for the rest of his life.

Two dreams made Yinzhen in a dilemma.

Back in the house, he went directly to Yaocheng Courtyard, since the wedding, he didn't stay in the front yard much, Yaocheng Courtyard is big enough, the study is enough for two people, and many of his books are placed in Yaocheng Courtyard.

Tong Cheng'er saw him come back and said, "Are you back?" ”

Yin Zhen nodded: "I'm back." ”

The conversation between the two is as familiar as that of an old husband and wife.

Tong Cheng'er looked up and found that he had a sad face, he was the prince's elder brother, and it was difficult for someone to embarrass him when he was on an errand.

"What's wrong? Something unhappy? ”

Yin Zhen shook his head: "No, it's just the first day I went to the household department today, and I read a lot of files, and my head was a little swollen." ”

Tong Cheng'er understood, it was normal, and she felt bloated on the first day of school after the holiday.

In her opinion, Yinzhen is a god-level character, but she didn't expect such a character to have such a "problem" like an ordinary person with an average IQ like her.

Tong Cheng'er couldn't help much with this, so he could only eat and drink well, hoping to relieve his brain bloating.

Seeing that it was time for dinner, Tong Cheng'er instructed the kitchen to prepare meals, both meat and vegetables, soup, rice and vegetables, each of which was not much, but the variety was complete.

Dinner was ready, the two sat down to eat together, Su Peisheng waited on the side, watching the master pick up vegetables for Fu Jin from time to time, and Fu Jin would also pick some meat dishes for the master, and the master didn't pick and put them in his mouth at all.

He didn't have any waves, after all, he had been like this for the past few days, and he was surprised in his heart for a while the first day, and then thought that it was not the first time that the master had made an exception for Fujin, and it seemed that there was nothing to be surprised about.

After dinner, it was still early, and the two went to the study together.

Yinzhen also planned to continue to look at the dossier, thinking about how to write it so that Huang Ama would pay attention to the seriousness of borrowing silver, and Tong Cheng'er was with him to pass the time.

Yinzhen was fascinated, Tong Cheng'er read the conversation book, this script was a little boring, so she put down the script, walked to Yinzhen, and asked him: "There is something wrong with you today, is the household errand very tricky?" ”

Yinzhen smiled at Xiao Fujin, and then pulled Xiao Fujin into his arms, and the soft touch gave Yinzhen's brain a temporary rest.

"It's not that difficult, there's something wrong with the household, I'm thinking about how to write an excerpt."

The excerpt is not difficult to write, it is rare how to make Huang Ama pay attention to it, and the original intention of allowing hundreds of officials to borrow silver for emergency is good, but after a long time, who still remembers the original intention, and they all want to pull benefits into their pockets!

Tong Cheng'er asked casually: "What kind of problem can it stump you." ”

Yin Zhen shook his head helplessly: "I'm not a god, there are more problems that can stump me, oh, look at these files, they are all the amount borrowed by the Hundred Officials and Household Departments over the years, more and more year by year, and they are all borrowed but not repaid, Huang Ama has become more and more benevolent in recent years, I am thinking about how to write this fold to make Huang Ama pay attention to it." ”

If you continue to borrow like this, the household will become an empty shell sooner or later.

Yin Zhen didn't hide it with Tong Cheng'er, and said it directly.

Tong Cheng'er casually picked up the file on the table and looked through it.

Yin Zhen saw that she was looking seriously, and he didn't bother, he knew that Xiao Fujin had some ability, otherwise he wouldn't have been summoned by Huang Ama with a few words.

Let her see if she has any new ideas!

After reading it, Tong Cheng'er didn't say anything, but said: "If you poke this thing out, you should offend a lot of people!" ”

Yin Zhen nodded: "It will indeed offend people." ”

This is the inevitable result, after all, as the old saying goes, cutting off people's wealth is like killing their parents.

Tong Cheng'er's opinion was: "I don't recommend that you come out directly." ”

Yin Zhen heard the meaning of her words, it is not recommended to come out of the bucket directly, poke it out in a different way!

Yin Zhen didn't quite understand her thoughts for a while: "What do you think?" ”

"Why would Huang Ama allow hundreds of officials to borrow money from the household department?"

Yin Zhen said: "Because some officials are not high, Huang Ama authorized hundreds of officials to borrow silver from the household department in case of emergency. ”

Tong Cheng'er nodded: "That's right, it's just that Yu Lu is low, according to your thoughts, do you plan to let Huang Ama order the hundred officials to repay the loan, and then cut off the way for the hundred officials to borrow silver." ”

Yin Zhen nodded: "Yes." ”

The matter of borrowing silver is too tricky, and it is easy to breed the greed of hundreds of officials, and this system is useless in Yinzhen's opinion.

In the dream, Yongzheng took the lead in urging loans, although he offended many people, but the result was still gratifying.

Tong Cheng'er: "When the water is clear, there is no fish, since they have cut off one of their financial routes, they will find a second financial route, and the easiest financial way for those who are officials is to fish and meat the people." ”

"My suggestion is to mention the official's money first, don't care how much money you mention, always give some sweetness first, and before that, let the household sell miserably, not to mention that the hundred officials borrowed money and did not pay it back, wherever there is any need for the household department to give money, let the officials of the household department cry poverty directly in the court, and cry poor when they spend money."

"Give Huang Ama an impression that the household is now short of silver, if Huang Ama wants to use the treasury money to go out for a tour or build some garden, everything involves the use of the treasury silver, let the household start to cry poor, crying and crying, and the emperor himself should be anxious."

"When the time comes, if you take advantage of the situation, Huang Ama will naturally be able to pay attention to this matter."

"If it happens, there is no urgency to repay the loan, don't ask for it all at once, you have to ask for it in batches, I see that there are hundreds of thousands of taels borrowed at most, so you can give a period of four or five years, anyway, borrowing such a large amount is not much."

"For the rest, you can borrow a small amount for a year and a half or a year or two years, and you can't become fat in one bite, so you have to take your time."

"In addition, in fact, I think that since it is the decree issued by Huang Ama, it can't be wrong, even if it's wrong, it's right, I can only say that the people below didn't understand Huang Ama's intentions, and they can't directly cut off the way for hundreds of officials to borrow silver."

"According to the amount of silver they borrow, they can repay the loan regularly, and when the time comes, a charter will be formulated, for example, if you borrow 10,000 taels of silver, you can do it without interest, but this 10,000 taels must be repaid every month after a year, or 1,000 taels, so that the 10,000 taels of silver borrowed can be repaid within 10 to 20 months after borrowing silver for one year."

"In order to prevent people from taking advantage of the rules to borrow money repeatedly, it can be stipulated that each official can only have three or four opportunities to borrow silver, after all, everyone has a time when they need silver urgently, but people cannot be unlucky enough to be in urgent need of silver all the time."

"And the number of times is small, when borrowing silver, I will be cautious about using my own times, and I will not borrow silver so often."

After listening to Xiao Fujin's words, Yin Zhen felt that his head was a little insufficient, and he could still do this.

Xiao Fujin is really his little lucky star.

"Orange, you're so talented."

Tong Cheng'er shook her head and smiled, thinking that she was talented, when she was in school, the tuition was not enough, and she applied for a student loan, so she knew so much.

In addition, she studied financial management, and she also understands some of this.