When it comes to making money, Zhu Youzhen's first thought is to raid the house, after all, there is no faster money than raiding the house. In this life, Zhu Youzhen started from raiding his home, and trained a strong guard step by step.

However, copying the family cannot be unlimited copying, and the teacher must be famous, otherwise it will make people panic and even make a big mess.

In this Beijing city, the richest person is Xungui, who has been inspected by Zhu You for a round, and he can't be Huo Huo anymore, otherwise he will be too mean and unkind.

The civil officials are very rich, but their wealth will not be in Beijing, but in their local hometowns, because they rely on their gentry status to annex land in their hometowns, and most of their families do business. Raiding their homes in Beijing doesn't cost much silver, and it's too troublesome to go to a place to raid their homes. And now is not the time to do anything to the civilian officials.

So what do you do to get the money? After a lifetime of reliving and experiencing a soul journey for 400 years, Zhu Youzhen has a way.

As the supreme in the world, he holds supreme power, if he can't even get a little silver, then he really lives in vain.

On the second day, Zhu Youzhen directly issued an order, saying that in consideration of the difficulties of the people's livelihood, the wealthy landlords relied on usury to exploit the people and forced hundreds of people to sell their sons and daughters, so that there were riots among the displaced people in various provinces, so it was decided to severely crack down on usury, and anyone with an annual interest rate of more than one cent was usury, and it was illegal, and the people could inform the government, and the government would come forward to directly exempt them from the money they had lent, and punish the lenders according to the same amount. This policy was first implemented on a trial basis under the jurisdiction of Shuncheonfu, and then implemented throughout the world.

As soon as the decree was issued, it immediately caused an uproar in the court, and hundreds of officials discussed one after another, and many officials said that the court should not restrict the free lending of the people.

"The wealthy families borrow money out of kindness, if Your Majesty's policy is implemented, the rich families may no longer be willing to lend to the people, then after the disaster, the people have no way to ask for loans, and I don't know how many people will freeze to death and starve to death."

"If this policy is implemented, there will be many people who sue officials and gentry who use the people to sue the gentry, which will inevitably make false accusations prevail, people will be panicked, and Beijing will be chaotic."

The reason why so many officials are sparse is that usury is prevalent in this era, and the most usurious people are these gentry, relying on lending, they wantonly annex land, forcing hundreds of people to sell their land cheaply to become hired farmers or even become homeless. As for the interest on usury, the interest on the lamb and the rolling of the donkey, at least 100 percent per annum, that is, if you borrow one tael of silver, you will have to repay two taels in the second year, and this is still light. Every disaster year, the people can't survive, forced to borrow from the gentry, as long as the loan will embark on the road of no return, and eventually the land will be annexed, and they will also be saddled with interests that can never be repaid, from then on the ancestors have to make cattle and horses for the landlords and grandfathers.

Therefore, Zhu Youzhen's holy decree directly hit the waist and ribs of the gentry and big households, which can be said to make them feel painful, thinking about how many fields they will have to annex in the future, it is strange that they don't jump their feet.

Zhu Youzhen doesn't care what these officials think, he is the emperor, and his words are holy decrees, which are Chrysostom and Yuyan.

As long as he insists, it is useless for the officials to oppose it. What's more, he only cracked down on usury in Shuntianfu, and the two counties of Wanping and Daxing in Shuntianfu were firmly under his control, plus there were Jinyi guards all over Beijing, and Jinyi guards all over Shuntianfu, so there was no problem in doing this.

At the same time as the decree was issued, the royal people's newspaper published this decree, and on the first day, the people of the entire city of Beijing knew about it, and on the third day, the people of the entire five prefectures and 22 counties of Shuntianfu knew about it.

The people of the entire city of Beijing, and even the entire twenty-two counties of the five prefectures of Shuntianfu, are talking about it.

If the holy decree is carried out, they will lose the opportunity to exploit the people, and it will be much more difficult to annex the land.

Ordinary people, on the other hand, rejoiced in their hearts, because it meant that they would no longer need to sell their land or even their children in the future.

However, the borrowers who complained to the government did not have it, after all, they were all worried about the reprisals of the gentry. In particular, the common people in the countryside did not dare to sue the gentry and wealthy households for usury.

On the fourth day of the proclamation of the decree, some poor people in the city came to the yamen of Wanping County and sued someone for usury.

Wanping County immediately tried the case, ruled that the fact of usury existed, ruled that the usury was invalid, and told the poor that he did not need to repay any money to the borrower, and then sentenced the borrower to borrow twice the silver.

When the verdict came out, it immediately caused an uproar in the whole city, and countless borrowers ran to the Yamen of Shuntianfu and Daxing Wanping County to sue someone for usury.

At the same time, the verdict was also published in the Royal People's Daily, and it was sold all over the 22 counties of the five states to which Shuntianfu belonged. Hearing that the imperial court was really coming to the house, it was really for the people who borrowed money, and the people in the counties were also moved by the wind and went to the county government to complain.

After all, the local prefectures and counties are maintained by civil officials, and in order to prevent the magistrates from going to the gentry, Zhu Youjian sent a large number of brocade guards to the twenty-two counties of the five prefectures to supervise the trial of cases by the magistrates.

For a time, the gentry and wealthy landlords wailed, and many gentry and wealthy households saw that the opportunity was not good, so they hurriedly found the people who borrowed money, took the initiative to cancel the usury, and forgave the debts of the past years, so as to escape punishment.

However, they lost the opportunity to make a lot of money and annex the land. Many wealthy gentry households, especially those in the north, have accumulated a large amount of money and grain at home, but they have no opportunity to invest, and if they cannot lend, then their silver can only be buried in the ground, and they cannot make money.

Just when the gentry and wealthy households were resentful in their hearts, news suddenly came from the court, and the royal people came forward to announce the establishment of the Ming People's Bank with 500,000 taels of silver as the share capital, and to absorb the silver deposit for the entire Shuntian Mansion, and give an annual interest of 5%.

When the news came out, inside and outside Beijing, the gentry and wealthy families were in an uproar, and finally understood the emperor's intention to crack down on usury, which was to absorb deposits for the establishment of a money bank.

In the late Ming Dynasty, there were rich banks, mostly operated by merchants in Shanxi and Huizhou, and they made money by collecting fees for deposits and withdrawals in different places.

However, there is a handling fee to deposit money in the bank, and I have never heard that there will be interest, and for a while, many rich gentry are very excited. Anyway, there is no way to lend usury, and the silver is buried in the ground of the house, but it is better to keep it in the people's bank to earn some interest.

But thinking about the background of the people's bank, many people hesitate again. This people's bank is run by the royal people, and the royal people's newspaper is the mouthpiece of the emperor, so this bank is run by the emperor at first glance, in order to collect money.

After experiencing usury, most of the gentry and wealthy families in Shuntian Mansion resented the emperor, and naturally did not want to deposit the silver in the money bank opened by the emperor. They were more afraid that the silver would be pitted by the money-greedy emperor than some interest.

Zhu Youzhen had already anticipated this situation and had corresponding methods.

Zhu Youzhen held 30,000 guards in his hands, and there were as many as 30,000 or 40,000 people in the outer and inner periphery of the Jinyi Guards in Beijing.

Zhu Youzhen announced that from now on, the salaries and silver of the Beijing Guards and Jinyi Guards will be deposited in the People's Bank, and the People's Bank will be responsible for distributing them. On the day of the salary, the Praetorian Guards and the brocade guards can go to the people's bank to withdraw it by themselves with their waist card certificates, or they can continue to keep the salary in the bank to earn interest.

If it is said that the most loyal to Zhu Youzhen, it is the Praetorian Guard and the Jinyi Guard, the Praetorian Guard soldiers naturally have no opinion on the withdrawal of the silver in the people's bank, in order to show their support for the emperor, many Praetorian Guard officers and soldiers even took the initiative to deposit the silver on their bodies in the people's bank.

And for Jinyiwei, it's actually the same. In order to show their loyalty, the officers of the Jinyi Guard naturally want to support the People's Bank, and ordinary Jinyi Guards may not trust the People's Bank, but they have no right to speak.

Then there is the Beijing Taxation Department, Zhao Shujiao announced on behalf of the Taxation Department that from now on, the tax collection of the tax silver will be deposited in the people's bank, and encourage merchants to deposit the silver in the bank, through the bank for tax and bank settlement.

You only need to deposit the silver in the bank, which can be used to offset the tax silver, not to mention that the process is convenient and there will be a lot less loss, after all, the fineness of the silver and the shear of the silver transaction will have a certain loss, so many merchants are also willing to make such an attempt, so they try to deposit a small amount of silver into the bank.

The largest deposit of the bank came from Jingzhong Xungui. Yes, you read that right, it's the nobles of Kyochu.

Among them, the British Gongzhang Zhiji immediately deposited 500,000 taels of silver in the bank, and the national abbot Jiading Bo Zhoukui also deposited as much as 200,000 taels.

Zhang Zhiji is already a die-hard supporter of the emperor because of his son Zhang Shize, so he naturally has to take the initiative to support and show his loyalty at this time.

And Zhou Kui, the national abbot, is purely interested in the interest rate of 5% per annum. Zhou Kui is very rich and also lends usury, but after all, his foundation in Beijing is relatively shallow, and he can't lend much, and Zhu Youzhen severely cracks down on usury, so there is no way to make money. Although the annual interest rate of 5% is not much, 200,000 taels of silver are deposited in the people's bank, and there is also an interest of 10,000 taels a year. And Zhou Kui is not worried that the people's bank will default on its debts, after all, he is the ruler of the country!

Zhang Zhiji and Zhou Kui took the lead, and other nobles also deposited some silver in the people's bank one after another, with tens of thousands of taels and thousands of taels of less. In just half a month, the People's Bank has absorbed 1.5 million taels of deposits, and the results are really gratifying.

In order to absorb more deposited silver, Zhu Youzhen announced that in the future, the land tax and silver of all prefectures and counties in Shuntianfu will also be settled through the people's bank, so as to force the prefecture and county to deposit the silver in the bank.

At the same time, branches began in 22 counties in five states under Shuncheonfu. Fortunately, there are 5 to 600 new students graduating from the business school this year, so there are so many people to open a branch.

With enough money in reserve, at least for the rest of the time, there is no need to worry about paying the border town Janissaries. However, banks need to pay interest on deposits, and they cannot just go out and not go in. Therefore, the bank also has to open a loan business and lend to the entire Suncheonfu at an annual interest rate of two cents of silver.

The two cents of silver are just stuck in the boundary of usury, and with the fight against usury, the royal family also has a high prestige in the hearts of the common people, and if the people need to borrow, they will definitely look for the people's bank, not to the inferior gentry and rich who swallow their fields at every turn.

In many cases, ordinary merchants also need to borrow silver, and the annual interest rate of two cents is really not high, because in the past, the interest was calculated on a monthly or even daily basis when borrowing silver from others.

Relying on lending, the people's bank must make money, but Zhu Youzhen is not satisfied.

In the third month of the establishment of the People's Bank, the issuance of silver coins was announced. Abrasives developed by the Royal Academy of Sciences, minted Ming royal silver coins, the front of the silver coin is printed with the word "one yuan", the bottom is around the sun and the moon with the six characters of the Ming people's bank, the back is the sun and moon graphics, and printed with the number 1 yuan of Xiyi. The edges of the silver coins were stamped with patterned edges to prevent the people from scraping off the silver shavings.

A silver dollar weighs about 27 grams, which is worth one tael.

Although the weight of a silver coin is not as much as one or two, the silver content is up to ninety, and because a small amount of other metals are added, the printing is exquisite, the fineness is good, and the silver coin does not need to be weighed, and there will be no more fire consumption.

This thing is so convenient, with this silver coin, you don't have to weigh it when trading, and you don't have to spend time weighing the silver. And it is much more convenient to store and use than silver ingots.

In order to facilitate transactions, the People's Bank has launched a smaller denomination of silver coins, dimes, one yuan is equivalent to ten dimes, and the weight is the same, one dime is about equal to one penny of silver. Smaller denominations of silver coins are not needed, as copper coins are available in the market and are very easy to exchange.

After the introduction of silver coins, merchants and people to the bank to deposit silver, withdrawal is silver coins, because one yuan of silver coins is lighter than one tael, plus the fire consumption when depositing silver, one in and one out, just minting coins to earn a percent of silver.

And the silver coin is so convenient to use, it will surely become popular throughout the Ming Dynasty in time.

In order to prevent other money banks from competing for business, Zhu Youzhen directly issued an order, announcing that the right to mint money would only be given to the royal people's bank, and that no one in any other place was allowed to mint money without permission, and that once counterfeit silver coins were found in the market, they would be confiscated and exiled.

In the next year, Zhu Youzhen planned to drive the bank all the way along the canal, to Linqing, Yangzhou, and even Suzhou and Hangzhou.

With the increase of bank branches, the silver dollar will surely spread throughout the Ming Dynasty, and perhaps in the future, the money earned from the minting alone will be in the millions every year.

Moreover, in the future, you can try to issue silver tickets, replace physical silver with silver tickets, of course, in order to avoid the same fate as the Ming treasure banknotes, silver tickets will not be issued indiscriminately, how much silver will be issued, to avoid inflation. However, as long as there is a large amount of silver deposited in the bank, it can be borrowed, and there will be no risk of running out of silver.

Of course, this is all an afterthought, at least not now, you can't do this, you can't issue silver bills, after all, the Ming People's Bank has not fully established its reputation.

However, with the beginning of the People's Bank and the smooth issuance of silver coins, at least for a short time, Zhu Youzhen no longer worries about the shortage of silver.

Of course, a bank alone cannot solve all the problems of Daming, and Zhu Youzhen has more important things to do next.

ps: 4,000 words, first send and then change.