Just when Zhu Si welcomed Empress Dowager Jiang into the palace.

Inside the official office.

Zhu Hao was studying his business plan, the most important of which was to expand the silver number to Nanjing, so that Shuntianfu and Yingtianfu would be closely linked.

“…… The Queen Mother entered the palace, and since then Her Majesty has been restrained, and it is estimated that Your Majesty will not leave the palace again in a short time...... What are you going to do? ”

Tang Yin appeared to the side, looking at Zhu Hao writing hard, and didn't show much surprise.

When Zhu Hao was still in Xingwangfu, he liked to write nonsense, and he had long been used to it.

Zhu Hao said: "Being in the palace, what do you think is interesting?" Even if the Queen Mother enters the palace, His Majesty will not be able to go to see her every day, and she will definitely come out of the palace. ”

Joke.

Zhu Si likes to go out of the palace because he feels lonely and lonely in the palace?

Definitely want to go out of the palace to play!

It's as if there is his wife and family in Xingwang's mansion, and he still wants to go to Anlu City to play.

Can the world inside the palace be the same as outside the palace?

"Meng Zai held a banquet today to entertain many subordinate officials from Xingwangfu to the capital, will you go?" Tang Yin asked.

Before Zhu Si went to Beijing, he brought a group of officials from Xingwangfu, but after all, Xingwangfu was self-contained, and a small half of them stayed in Anlu, and most of them followed Princess Jiang to the capital this time, and Anlu Xingwangfu was only an empty shell, which was handed over to the local state government to take care of.

are all emperors, what is there to love in a palace?

When this group of people arrived in the capital, Jiang Lun was the younger brother of the Queen Mother, and he wanted to win the hearts of the people and prepare for the future title.

Zhu Hao said: "I won't make up for this kind of excitement, now there are more and more people from Xingwangfu to Jingshi, and when there are many people, my identity is very easy to be exposed, and the number of times I come here may be reduced accordingly recently...... If there is something to do, leave it to you, sir! ”

Tang Yin frowned: "So many court affairs, you let me solve them?" ”

By implication, you're not kidding, are you?

Even if the cabinet vote is intended to be the content of Zhu's approval, the problem is that I can't imitate the emperor's handwriting, do I really think that anyone can replace the new emperor?

Zhu Hao looked indifferent: "Your Majesty can't rely on me for everything, now that the Queen Mother has entered the palace, it's time to cultivate his ability to be independent...... When he leaves the palace again, he will hand over the matter to him to do it himself, and there will be fewer dramas in the future, so that outsiders know what kind of system it will become? ”

Tang Yin rolled his eyes: "Now do you know that it is not a system?" Why did you go earlier? This kind of words, it is estimated that you can persuade you, and now the Ming Dynasty is indispensable to you! ”

"Whatever."

Zhu Hao still doesn't take it seriously.

……

……

Zhu Hao really wants to make himself a little easier now.

Can't work in the Hanlin Academy during the day, and when he comes back in the afternoon, he has to be a stand-in for Zhu Si, at first he felt that he had a huge sense of accomplishment in being able to handle the affairs of the Ming Dynasty, but over time, the whole person began to slack off.

I'm not an emperor, so why make myself so tired?

If you want to change the Ming Dynasty, you should not rely on the review to complete, but also expand the business system, and also engage in some scientific research, so that industrial civilization will come to the land of China as soon as possible.

So now Zhu Hao's enthusiasm for doing business is far greater than being an official.

He went to find Su Xigui that day.

“…… The small master, the silver account has just opened, and the Hui merchants and merchants from all over the country do not recognize it, but with the help of the superb lobbying ability of the contemptible people, they have accepted more than 60,000 taels of silver to deposit silver, and there are also 40,000 or 50,000 copper coins......"

Su Xigui was excited.

I thought that opening a money shop was a bit of a trick, and I couldn't get bigger and stronger at all.

But the background of the government is easy to do, and this mode of making money with money is the royal way to make money.

Su Xigui used to focus too much on the real industry, especially buying low and selling high, and never thought that the financial services industry could be so profitable.

Zhu Hao said: "Give them interest, of course they want to deposit silver in the silver number, they bet that you will not fall in the next two or three years." But because Huang Gong was only in Nanjing, there were not many people who came to join him...... How much money is lent out? ”

Su Xigui said with a smile: "There is a look of forty or fifty thousand taels, listen to the little master, and leave some deposited silver...... In fact, it's okay to keep it or not, I can afford to pay for this bit of silver. ”

Compared with Su Xigui's big family, it is still possible to raise hundreds of thousands of taels of silver casually.

Even if Su Xigui can't be rich, he relied on the salt farm reform a few years ago, and Huang Zan served as a waiter in the Beihu Department, and brought a large amount of salt to him, making Su Xigui the largest salt merchant in the Ming Dynasty.

After all, the reform of the beach drying method was made by Huang Zhan, and the business will naturally be cheaper with his own white gloves.

Zhu Hao said: "100,000 taels is still too little, within a year, the scale of the silver trumpet will be developed to the level of one million taels, the north and south of the capital system will be established and improved within three months, and the silver trumpet will be opened to the provincial capitals of the Central Plains in about half a year, and it will develop to the north and south ......of the river within a year."

Su Xigui was speechless: "Little master, if you want to say that you are ambitious, or you are better, you are really ashamed of yourself." ”

"What's the point of talking about this piece of soup? We are all businessmen, it's useless to engage in those vain things, Your Majesty has won back a city in the matter of the Great Rites, I estimate that Wenchen's counterattack will begin, and he will definitely start from the money and food of the household department, plus the river engineering accounts that were brewing before, and the self-inspection of the household department and the Ministry of Industry is also about to end. ”

Zhu Hao analyzed the current situation.

Su Xigui said with a smile: "The army has not moved, the grain and grass go first, and the little master is far-sighted." ”

Zhu Hao looked at Su Xigui, and always felt that something was not quite right with this product today, and there were a lot of compliments on him.

"One hundred taels of silver, one cent per month, or two cents per year, after deducting the interest given, the annual income is only 100,000 taels, which is still too little, what is the use of the imperial court now, how can the annual expenses be four or five hundred thousand taels of silver, in order to stimulate the economy of the Ming Dynasty......"

After the middle of the Ming Dynasty, silver began to flow in from South America gradually, the price of silver gradually declined, and silver became the main currency in circulation.

After Zhu Hao entered the court, he paid attention to the expenses of the Ming Dynasty over the years, although the accounts of the Ming Dynasty did not have the habit of calculating the general account, but only in terms of the silver in and out of Taicang, there were about three million taels a year, and the grain dispatch was mostly attributed to the local warehousing, and the local taxes paid were also exchanged for silver at the market price to hand over to Taicang.

According to this calculation, by the end of Zhengde, the annual expenditure of the imperial court, in the form of silver, will not exceed five million taels.

Among them, the nine-sided dispatch accounts for 40 to 50 percent, and the war years can even account for 70 percent, because the grain development system has collapsed, the northwest business tun is deserted, and the northwest is almost all supported by Taicang.

In normal years, river work accounts for two or three percent of the Ming Dynasty.

In addition, the largest expenditure is the construction of palaces and temples for officials, so that it is already beyond the means, if there is a local disaster, or something happens, the court can not make money for nothing, and can not plunder wealth from the people in the form of inflation, it is indeed easy to make the court financial deficit.

Aren't all kinds of social problems in the middle and late Ming Dynasty caused by this?

After all, it is mainly the official eunuch class who now controls the market economy of the Ming Dynasty, and it seems that the officials cannot do business, but the sublease of power in any era cannot be curbed, and there is money if you have the right, who doesn't want to realize the power in your hands?

Then there is the big landlord class.

These people have the right to speak in society, and whoever touches their cheese will treat him as an enemy.

Zhu Hao knows that some reforms cannot be implemented for the time being, and if you want to make the Ming court rich, the best way is to develop the financial industry and commerce first.

Doing business normally, your skills are not as good as others, and you are losing money, so you can't rely on the imperial court to deprive you of it, right?

Su Xigui also looked forward to Zhu Hao: "If you run 10 million taels a year and earn 1 million taels, it should be more helpful to the imperial court, right?" ”

"Still less."

Zhu Hao is more greedy than Su Xigui, "It's best to earn a court degree a year, which is roughly enough." ”

"This ...... Impossible, right? ”

After all, Su Xigui is the white glove of the Nanjing Household Department, and he still has some understanding of the expenditure of the Ming Household Department, "That may require more than 50 million taels, even if the wealth of all the merchants in the world is gathered, I am afraid that it is not so much." ”

Zhu Hao said with a smile: "If you want to be big, you can't just stare at the little money in the hands of businessmen, but also develop the business to all the people in the people." ”

"This ......"

Su Xigui thought to himself, this is really daring to think.

What about dreaming?

It's not easy for ordinary people to save some money, and you still want them to save money in the silver account?

"The people are also interest-oriented, first of all, we must be undeceived, can not blindly expand, and are willing to sacrifice some interests to envelop the people, in order to gain their trust, even if there is any major event in the future, the court can also borrow money from the silver number, and also borrow according to the interest, then the court treasury will not be overstretched when a major event occurs."

Zhu Hao even said a theory that Su Xigui had never heard of.

The imperial court is looking for a silver number to borrow money?

When the court runs out, can it still be returned?

Thinking about it again, no, if Zhu Hao can influence the new emperor, from the emperor to Zhu Hao, a powerful minister who may appear in the future, and abide by the contract, then this matter can still be executed.

Importantly...... Originally, the silver horn was opened by Zhu Hao.

It is equivalent to saying that the court poured the silver from the left hand to the right hand, deposited the silver in the silver number, and then borrowed money from the silver number, and paid the interest to the silver number, and the court accounted for the majority of the profits.

It's a sure win.

"Little master, the chambers of commerce in various parts of Beijing have a lot of concerns about the silver horn now, see if you can find an opportunity...... Or who to talk to? ”

Su Xigui saw that Zhu Hao still had a purpose, that is, he wanted to get more support from the policy.

Now Shang Jia is willing to save money, and most of them are still looking at his Su Xigui's face, not the imperial court.

Zhu Hao said: "Go back and let the head of the household department Tang go to meet them, publicize the policy, and let them know that this is a move that benefits the country and the people." ”