Silver...... Countless pieces of silver......

Zhu Di finally understood the meaning of this money bank.

He took a deep breath, countless thoughts passing through his mind.

If this can be done, it will be far more meaningful than earning a million taels of silver.

It's just that......

Zhu Di stared at Zhang Anshi and said: "In the middle is a three-cent spread, three cents is not much, but I am thinking, those who have borrowed money and silver, if they can't pay it back, what should they do?" ”

Regarding this problem, Zhang Anshi also thought of it a long time ago, so he said: "This is easy, so there is collateral for borrowing, and what is acceptable now is land, land, and mansions." In the future, the minister will find a way to expand some new collateral. So...... No matter what, the money bank will not lose. ”

Zhu Di said in surprise: "Collateral? Land? ”

Zhang Anshi said: "Yes, and when valuing, the price of this mortgage is often calculated at the lowest price, so it ...... If you don't even pay back the money at such a low interest, the collateral will be taken away by the bank, and the other party will have nothing to say. ”

Zhu Di frowned: "If that's the case...... Isn't it ......?"

After all, Zhu Di is an emperor, not a pure businessman, and he is not good at arithmetic, so to understand what Zhang Anshi means at this time, he must have his brain running at high speed.

He said: "In this way, only those who have land can borrow money, and those who do not have land, but the people who need it the most, will not be able to borrow a penny?" ”

Zhang Anshi smiled: "Your Majesty, this is the most mysterious part of it. Cinnabar...... Your Majesty has heard of the words of the empty monk, right? The interest on the money lent to ordinary people by the big families in those places is extremely high, and the extra 30% or 50% of the money is repaid a year, which is considered to have a conscience. Has Your Majesty ever wondered why they dared to ask for such a high price? ”

Zhu Di was silent, only looked at Zhang Anshi fixedly, waiting for Zhang Anshi's answer.

Zhang Anshi said: "The minister asked people to visit, even if it is Liujia Village in Shangyuan County, there are two large households in this village, accounting for almost more than 50% of the land in the village, and there are 73 households, which are ordinary farmers, they all have some thin fields at home, more than a dozen acres, less than a few acres, and the rest are tenant farmers." ”

"These people are the largest, there are more than 120 households, these 120 or so households, almost no land, the vast majority of them are dependent on those two big households for a living, but whenever there is a disaster year, the grain grown by ordinary farmers is not enough to eat, so they can only borrow from these two big families, and these two big families, because they have been in-laws for generations, the interest they lend is negotiated."

But now this money bank can be mortgaged and borrowed, which means that in this village, 73 ordinary peasant households can lend money in disaster years and can tide over difficulties. And the interest rate of the big family is frighteningly high, and if they borrow some more money, even if it is seven cents, or ten cents of the black heart, it is also profitable to lend it to the tenant farmers. ”

"Your Majesty, in the past, there were only two large families who could lend money and grain, but now it is different, and now there are theoretically more than seventy families in a village, who can become potential borrowers, because they can get funds at cheap interest, and therefore, ...... In the end, those tenant farmers who did not even have land, although they could not borrow money and grain from the bank, but the number of people who borrowed money and grain increased tenfold or even a hundredfold, and the interest rate of this house was high, and there were many people in the neighboring villages who had money and grain, so ...... What this big investor can do is either to reduce the interest rate to more than ten percent, or even less than ten percent, or ...... Don't even think about lending out a penny or a grain of rice. ”

Zhu Di suddenly realized: "I see." ”

With this, the minister thought...... Land annexation can be greatly mitigated, and in addition to that, ......"

Zhu Di looked at Zhang Anshi with blazing eyes, his eyes became brighter and brighter, and he said, "Besides, what else?" ”

Zhang Anshi said: "In addition, with enough credit on the Qianzhuang side, you can use this to spread to all states and counties in the world." The minister has even sent a group of people to Annan for a pilot project. Not only that, but with so much money to call, if the court encounters a major event in the future, it can also borrow from the money bank to tide over the difficulties. ”

Zhu Di was very surprised by Zhang Anshi's words, and frowned: "When the court does things, you also have to borrow money from Qianzhuang?" ”

Zhang Anshi said: "This is the rule, Your Majesty has ever thought about why the Daming treasure banknote finally fell into the current situation?" The fundamental reason is that there is an excessive amount of overabundance. All the funds under this world do not come out of thin air, they have a source. Therefore, all the lending and storage, the essence of the money bank is just a tool. If the tools are used well, it will benefit the country and the people, and once there is no moderation, the world will have to be in chaos. ”

"Besides, the money of this money bank was lent to the imperial court, and if the court spent it indiscriminately, wouldn't this be equivalent to the money bank opened by His Majesty, borrowing debts from the subjects of the world, carrying the debts, and then giving them to the treasury? In this way, it is the imperial court that benefits, and it is the people of the world and His Majesty who suffer. ”

At this moment, the essence of the matter was pointed out, Zhu Di was a visionary person, and he agreed very much: "What I said is very true, I didn't figure out this joint." ”

Zhang Anshi said again: "There is another advantage, that is, relying on the absorption of reserves, you have obtained so much funds, so Your Majesty ...... You can use the money bank as a tool to prepare for the issuance of new treasure notes in the future. ”

Zhu Di stared at Zhang Anshi: "New treasure banknotes? ”

Zhang Anshi nodded: "Yes, it's just that this new treasure banknote can no longer be issued by the treasure banknote division." ”

This Ming treasure banknote is ridiculous, it is the treasure money department under the jurisdiction of the twelve prisons of the inner court to print and distribute, a group of eunuchs, their own play, take out the circulation, to be honest, the Ming treasure banknote can last until the end of Hongwu before the large-scale depreciation began, it is considered that Emperor Taizu Gao is iron enough. If you are another emperor, I am afraid that something will happen in less than three years.

Under Zhu Di's expectant gaze, Zhang Anshi continued: "The new treasure banknotes must be issued with gold and silver as reserves, that is, to ensure that the banknotes issued can be exchanged for gold and silver at any time. Only in this way will it be qualified for circulation. ”

Zhu Di thought thoughtfully: "You draw up a charter, I will take a closer look." ”

After that, Zhu Di laughed and said: "In this way, this money village is really killing three birds with one stone, and it is very good." ”

Zhang Anshi thought in his heart, in fact, there is another biggest benefit, he didn't say it.

If the emergence of regular money banks can really be extended to the state capitals of the whole world, then the entire social form will undergo fundamental changes.

In the past, Zhang Anshi had never understood why the ancient landlords or gentry were unwilling to invest their funds in production activities or other commercial activities.

If it is just a simple businessman who is lowly, this obviously does not make sense, because human nature is greedy and profitable, so no one makes a profit from this?

Later generations always said that the sprout of capitalism appeared wherever and where, but in fact, this sprout is always just a sprout, and no towering tree can grow in any case.

It wasn't until Zhang Anshi really came to this world and learned about the situation of this era that he knew that all his impressions of his previous life had been subverted.

People think about the profits of the landlords and gentry in the way of thinking of later generations.

Think they are just feeding on the sky, and the yield of agriculture is extremely low.

Theoretically, yes, how much money can you make from farming?

In fact, the vast majority of large landlords and gentry actually did not rely on farming to make a profit at all.

You think they rely on that little crop on weekdays, but in fact...... In fact, their profits far exceed the profits brought by business, and they also guarantee income in drought and flood.

If you have a lot of land at home, you can provide a stable environment for your children to study, and after studying, you can test your fame, even if you are not a jinshi, even if you are a showman, in your hometown, you are actually considered a master.

In good years, you can hoard a lot of food.

In disaster years, more land was acquired at outrageously low prices.

Not only that, but it can also monopolize the number of chiefs and chiefs of the village and village, so that they have the privilege of collecting taxes on behalf of the county and deciding who will serve as a servant.

A large amount of money and grain is lent out every year, and the profit of a year is at least more than 50%.

What is the concept of fifty percent? That's ten taels of silver, and you just have to lie down at home, and after two or three years, you will get twenty taels of silver.

By lending money and grain, when the disaster is repeated, not only can you hoard goods, but also keep important grain and cloth in your hands, in addition to making more huge profits. It is also through debt to control the people who have been displaced by the famine.

On the surface, the decree does not allow slaves, but when a person is about to starve to death, even if he does not pay a penny, give him two meals a day, and let the other party be a cow and a horse, and people will kneel down and kowtow to you, and be grateful to you.

Therefore, the traditional impression that the landlords and gentry depend on the sky for their food, and that the profits of agriculture are meager, is in fact an illusion at all, and this is indeed the case for farmers and tenant farmers.

But for the gentry, in fact...... What they have at their disposal is a lucrative industry.

This industry has a high threshold for entry, drought and flood protection, amazing profits, and in the local township, there are all kinds of invisible privileges.

Therefore, throughout ancient times, almost all people's only goal was to become landlords, and then cultivate children through wealth, become gentry, and then make profits, and desperately expand the land with this money and grain.

Any dynasty is in the process of continuous land annexation by countless involuted gentry and clans until its demise.

As for any other production, it is not only time-consuming and labor-intensive, but also requires a lot of investment, and the profits may not be satisfactory, and it also suffers discrimination, and the so-called industrial and commercial activities are almost kept to a minimum.

The so-called sprout derived from industry and commerce is just a joke, and the sprout will always be a sprout, and it will never be able to produce any fruit.

Zhang Anshi is a person with a sense of morality.

At least he knew that this road had reached a dead end, and if he wanted to change, the only thing he could do was to cut off the gentry's means of profiteering.

The only way to do this is to cut off their windfall profits one by one, so that the investment in land can return to its rightful position.

So...... During the Qin and Han dynasties, those who read the same book no longer regarded the annexation of land as everything, but took meritorious service and marquis as the ideal, and people continued to emerge.

They are no longer confined to the annexation of land, nor are they the end of their lives to maintain the land system, but have lofty ideals, rather than hiding in one acre and three points of land desperately involution.

"Your Majesty, everything is difficult at the beginning, the minister thinks that the top priority is to establish rules first, the interests involved in this money bank are too great, and the slightest change may affect the national economy and people's livelihood!"

"In addition, the minister's side also plans to set up an arithmetic school to recruit people to study, and if this money bank is to be spread, it must have a large number of account rooms, in addition to that...... One more thing. ”

Zhu Di said: "You can say it." ”

Zhang Anshi said: "In addition to arithmetic, because it involves a large number of deeds and mortgages, as well as various bills, which ...... There is also a need for a large number of lawyers. ”

"Lawyer?" Zhu Di's eyebrows sank, this is actually a sensitive issue.

In ancient times, there was a customary rule, that is, the people did not raise officials and did not hold them accountable, and the parents and officials were happy to have no lawsuits, so that they seemed to rule Haiyan Heqing.

The local gentry enforced family or clan laws, and did not want the government to interfere in disputes in the countryside.

As for the ministers in the court, of course, they don't want disputes everywhere to affect this peaceful and prosperous world.

As a result, the lawyer has almost become the target of everyone's shouting!

These people who are proficient in the provisions of laws and regulations and write pleadings for people are not only looked down upon, but sometimes provoke their parents and officials, and they have to clean up fiercely.

Zhang Anshi, this guy, obviously touched a more sensitive issue again.

Zhang Anshi looked at Zhu Di's hesitant expression and continued: "The minister plans to hold another law study class and recruit people to learn the provisions of the law......

Zhu Di only said: "Is this necessary?" ”

Zhang Anshi said very seriously: "When it comes to a large amount of gold and silver, it is inevitable that there will be disputes, if the money village wants to be foolproof, it must have a large number of relevant personnel, otherwise, it is difficult to make people happy and convinced, and once it is not convincing, who still believes in the money village?" ”

Zhu Di actually just paused this time, and then bowed his head and said: "In this case, I will be gracious." ”

Zhang Anshi said: "It's just ...... With the power of the ministers, I am afraid that no one will come to learn. “

Zhu Di said: "Then what do you want?" ”

"Otherwise, just hang my brother-in-law's sign, just say...... The Royal School of Arithmetic, or the Royal School of Law? Your Majesty, anyone who can read and hyphenate, who dares to learn this, will be looked down upon by others. ”

Zhu Di said coldly: "Isn't this planted on my head?" You fool, enter the fuck, call it the East Palace Arithmetic and Law Academy. ”

"Ah......" Zhang Anshi was stunned: "But ...... East Palace...... Prince...... It's my brother-in-law, how can I hurt him. ”

Zhu Di's face twitched, and there were faint signs of a volcanic eruption.

Don't harm your brother-in-law, so come to harm him, the emperor?

Zhang Anshi looked at Zhu Di's increasingly heavy face, and finally coaxed, and finally changed his words: "How about calling Wenyuan Pavilion?" Wenyuan Pavilion Arithmetic School, as well as Wenyuan Pavilion Law School. This Wenyuan Pavilion is the object of admiration of scholars all over the world, and several scholars of Wenyuan Pavilion in the world are also admired by thousands of people, and they have given this name......"

Zhu Di said: "It's Wenyuan Pavilion, this matter, I came to make a decree, and I can't help but a few scholars don't agree, you recruit people here, and the sign is hung out, which can be regarded as raw rice cooked and matured." ”

Zhang Anshi looked at Zhu Di, the two of them once again played an extraordinary tacit understanding, Zhang Anshi immediately said: "Your Majesty's will, the minister's side of the palace will be sent out immediately, and the world will know it." ”

Zhu Di bowed: "Very good, that's it." Ay...... Zhang Anshi, Zhang Anshi, you guy...... It's going to make a few college scholars miserable. ”

Zhang Anshi wanted to say in his heart, what are these words, who is harmful?

It's just this pot, he carried it!

So he said obediently: "If the scholars blame, the ministers are for the money and the country, and they have to endure the humiliation." It's really not possible, just be careful when you go out in the future. ”

After the two happily agreed, Zhu Di was very satisfied.

Lots of silver......

This money bank has become a transit point for gold and silver in the world, and the stakes in this go without saying.

Immediately, he sighed: "No wonder all the scholars in this world want to scold me, this money village comes out, and then there is a Wenyuan Pavilion Academy, I'm afraid it will not be peaceful again." ”

This is said, it seems that without this, people will not scold you Zhu Laosi, what is your reputation I don't know?

Of course, this was just Zhang Anshi's heart, and he tried his best to put on a sincere expression and said, "Your Majesty has worked too hard, minister...... The minister looked distressed. ”

As he spoke, he rubbed his eyes desperately, trying to make a splash, but he didn't.

At this point, you still need to learn from Zhu Zhanji, although he is young, he is so skilled in this aspect that Zhang Anshi, who is an uncle, feels distressed.

Zhu Di said: "If you don't say these bird words, I don't worry about being scolded a few words, it's just ...... I'm worried about some of the people in the court. ”

"Some?" Zhang Anshi was stunned: "These people that Your Majesty said are ......"

It can't be him, right?

Zhu Di said lightly: "Jinyi Wei secretly plays ......"

Zhu Di glanced at Zhang Anshi meaningfully, and then continued: "Among the government and the opposition, some people miss the previous dynasty, hehe......... If that's all it takes, that's it, but these people are already together, even ...... Someone has ...... Secretly contacted it. ”

"Who to contact?" Zhang Anshi was shocked.

Zhu Di said: "Who do you say?" ”

Zhang Anshi said: "Someone is so mad? Your Majesty, in this way, some people are really unreliable, or their own relatives are reliable. ”

Zhu Di said coldly: "These people ...... Secretly funded a lot of desert ordnance and the iron tools they urgently needed, in addition to that, there was also a lot of salt and tea! ”

As he spoke, Zhu Di evoked a sneer, laughed very sarcastically, and continued: "It's strange that in the past two or three years, in order to crack down on the remnants of the desert, I have banned the mutual market, but the remnants of the desert can still support it, it turns out that ...... There are thieves. ”

Zhang Anshi understood Zhu Di's mood at this time, and after all calculations, it was difficult to count that the bad guys were actually the people around him, so he said: "Has Your Majesty found out who they are?" ”

"I don't know." Zhu Di said lightly: "This is a nail that someone has stuck in my heart, and if I don't pull it out, I will inevitably have trouble sleeping!" ”

"And...... It is not known whether they have become a climate or not, if they are not dealt with early, sooner or later one day it will come out, and when I am here, I may be able to barely maintain the situation, but one day, I will not be there? ”

Zhu Di is still very confident, and feels that as long as he and Qiu Fu and Zhu Neng are here, what kind of bullshit is the remnants of the Northern Yuan Dynasty, it will be swept away.

But he didn't have much confidence in his children and grandchildren.

People like Emperor Taizu Gao, don't they also have grandsons like Jianwen, it's okay that the world is peaceful, if there is a little trouble, this Ming may be over.

Zhang Anshi said: "Your Majesty...... The minister listened to this, and it was difficult to sleep and eat, the minister and a few brothers, all of them are extremely smart, everyone in the world knows, outsiders gave a few brothers to the minister, and gave them a nickname, called Beijing Wucong. ”

"They all said that the ministers and a few others were wise in urinating, born with visions, and fiery eyes, and now there are chaotic parties to make trouble, and the ministers and a few others are willing to serve the work of dogs and horses, Your Majesty can rest assured, as long as a few of us make a move, we will definitely share worries and solve problems for Your Majesty, and teach the chaotic ministers and thieves to have nothing to hide."

Zhu Di glanced at Zhang Anshi meaningfully: "Five Congs in the capital? In Jinyiwei's recital, why isn't there this? ”

"Maybe it's because Jinyiwei doesn't do a solid job." Zhang Anshi's eyes looked away, touched his nose and said.

Zhu Di said: "This matter, if there is Ji Gang to handle it, you can help me take care of the money." ”

Zhang Anshi said: "But...... The minister is afraid that Jinyi Wei will not do well, and the minister will not know these things, but now he knows it...... If you don't pay attention, the minister ...... It's really hard to settle. ”

Zhu Di put his hands behind his back and smiled: "You go to get the file by yourself, Ji Gang's side, I will say hello, this is a Qin case, don't mess around!" And that ...... Is that guy Qiu Song also a Satoshi? Let this big smart, don't get involved, I'm afraid he will blow up the city of Nanjing. ”

Zhang Anshi: "......"

After saying that, Zhu Di simply drove back to the palace.

Although Zhu Di was a little displeased because of the things of the previous dynasty, but now, he was happy to hear that Qian Zhuang had made a lot of money.

With his hands behind his back, he happily returned to the Wulou, and taught Yizha to take tea.

He took a sip and said, "Oh, yes, it's getting colder this day, I feel sorry for a few of the scholars of Wenyuan Pavilion, teach someone to add some firewood to them, don't freeze my bachelors." They have worked hard and achieved great results, and I have them all in my heart. ”

After that, he picked up the red pen, wrote a letter of decree on the ground, handed it to Yishu and said: "Take it to the celebrant supervisor, according to this meaning, draft a decree, do not need to go through Wenyuan Pavilion, send it directly." ”

Yisha said respectfully: "The slave obeys the order." ”

…………

Wenyuan Pavilion.

Several scholars sorted out their own notes.

This Wenyuan Pavilion is actually the earliest cabinet system, after all, not every emperor is like Emperor Taizu Gao, after abolishing the prime minister, all the music will be handled by himself.

Zhu Di's mind was on the military, and he had a headache when he looked at these songs.

It is obviously impossible to restore the prime minister system, with Hu Weiyong's precedent, plus Zhu Di claims to be the son of Emperor Taizu Gao's most admired, inheriting the law of Emperor Taizu Gao's ancestors, and will never waver.

Therefore, he simply ordered people to enter the Wenyuan Pavilion and let them assist in the affairs of the world.

Under normal circumstances, it is a concert from all over the country, let a few scholars sort it out, and after sorting it out, then head down in this recital, and approve their own votes according to their own ideas.

The so-called ticket draft, that is, like a book, the newspaper said where there was a drought, and the scholar of Wenyuan Pavilion drafted a sentence: 'When the household department is ordered to allocate money and food to relieve the disaster, and then a member of the imperial history of the Metropolitan Procuratorate will be appointed to inspect the disaster. ’。

This concert and ticket were to be sent to the emperor. The emperor didn't need to think about what to do, he just looked at the votes of the scholars, felt that the votes were feasible, and directly clicked a circle with a pen, and sent the celebrant to stamp the big seal and then promulgated the will to implement it.

Therefore, although the scholars of Wenyuan Pavilion do not have the power of the prime minister, in fact, there is already a faint part of the fact that the prime minister, because theoretically, the emperor is unable to deal with the music piled up like a mountain, and the affairs of the world are completely determined by the vote.

Although the emperor has the power to deny the vote, but the denial means that the emperor has to find another way to come up with a more suitable method.

Yisha personally brought a few eunuchs with firewood, and naturally let Xie Jin, Hu Guang and Yang Rong come out of their respective public houses to greet each other.

Yisha said with a smile: "Your Majesty has a few scholars in mind, so he specially taught the slaves and maids to add some firewood to the adults. ”

Xie Jin's face was full of red light, he felt that the emperor should be courteous to a person like him, and hurriedly said: "Your Majesty is lenient, and the ministers and other ministers are all over the ground, and it is difficult to repay in case." ”

Hu Guangkai joked: "In this way, the old man's cold leg will be saved." ”

Everyone knew it was just a joke and they all laughed.

Only Yang Rong was smiling on his face, but in the depths of his eyes, there was something unpredictable.

This casual expression may not be noticed by others, but Yizhaha, who has always known how to observe words and feelings, has a full view, he didn't say anything, and said a few words of greeting, and then he left.

Out of Wenyuan Pavilion, the eunuch behind him stammered as if he wanted to support him: "Grand Duke, you ...... Be careful with your step......"

Yisha smiled: "Okay, okay, we're still healthy, it's like we're seventy or eighty, and we're going to Xiaoling to guard the tomb of Emperor Taizu Gao." ”

The eunuch smiled: "The slave maid is ......"

Yishu said: "That's right, I see that Yang Gong is tired, His Majesty happened to give us some ginseng from the Korean country, you can help us send some to Yang Gong in a few days." ”

"Bachelor Yang Rong?"

He also lost his head.

"Grand Duke, why do you want to send something to that Yang Rong? It should be his filial piety to the Grand Duke. ”

Yisha said calmly: "This person ...... It's not simple...... It is a character that is rare to see in a century. ”

The little eunuch said: "That Duke Xie and Duke Hu ......"

Yishu said: "Only send Yang Rong, we just want Yang Rong to know, we can only look down on him, the gift is not important, the important thing is the heart, if everyone sends it, even if the gift is valuable, in the eyes of people, it is worthless." ”

(End of chapter)