Zhang Anshi smiled, then stretched out his slender fingers, and said slowly: "There are three benefits." ”

There are three......

The faces of the people in Zhou Ju were extremely ugly, and they knelt on the ground in despair, and at this time they felt more and more like lambs being sold.

Even...... At this time, I couldn't help but have a thought, why did I fall for this kind of fool and come to the capital?

Are they throwing themselves into the net?

Zhu Di was full of spirits, and he looked like he was listening attentively.

But I heard Zhang Anshi say slowly: "This is one of them, the biggest benefit is the Taiping Mansion, Your Majesty...... After the large-scale purchase of grain in Taipingfu, the development of the shipping industry was great, because the purchase of grain required large-scale ships, although the current sea ships are closely transporting grain, but other spices, ivory, rubber, cotton and other products are also urgently needed by the Ming Dynasty. ”

"So...... Many shipping ships want to hire to transport goods, it can be said that it is difficult to find a ship, so now the shipbuilding docks everywhere, orders are lined up for two years, in order to buy ships, the big guys can be said to have done their best. Many dockyards have also expanded their production. ”

Zhang Anshi patiently continued: "Of course, the development of the shipbuilding industry is not outstanding in front of all industries...... These millions of ready-to-wear clothes are spent on the silver that these inferior gentry buy grain at a high price, but such an order, a ready-to-wear garment, from cotton, to dyes, to spinning and weaving, and even including needlework and thread, such a huge order, teach these garment workshops, spinning workshops, as well as textile workshops, dye workshops, all make a lot of money. ”

"This is true of ready-made clothing, steel utensils, carriages, and cloth shoes, and these inferior gentlemen exchanged large sums of silver for grain, and the orders placed in the Taiping Mansion were worth millions of taels of silver, and hundreds of thousands of workshops benefited from them. Not only that, because of the income of these workshops, they had to expand their production on a large scale and recruit more craftsmen. Large-scale orders need to be transported, and a lot of chariots, horses, oxen, horses, and manpower, and so many laborers and craftsmen have to eat, drink, and Lazar, Your Majesty...... The industrial value driven by this can reach at least tens of millions of taels of silver. ”

As soon as these words came out, people couldn't help but gasp.

After calculating it, it is equivalent to Zhang Anshi taking the inferior gentry's silver to relieve the disaster.

It seems that Zhang Anshi did not get any profit from it, but in fact...... But relying on various orders, his Taiping Mansion has earned a lot from upstream to downstream.

It's scary to think about it like this.

Zhu Di listened and nodded frequently, but he was still pondering, whether Qixia Commercial Bank had made a profit from it.

Zhang Anshi finally did not disappoint him, and said with a smile: "And the prosperity of all industries also means that the taxes that the Taiping Mansion strives for from it are at least around two hundred to three million taels, Your Majesty...... This is the most immediate benefit. ”

“…………”

Boy......

How can this still be done? The eyes of these hundred officials were straight, and they were convinced.

But if you think about it, this account is really not wrong.

The Taiping Mansion is indeed very fair, even if they store grain, even if they sell grain at a high price, any income from it is distributed to the people of the four provinces.

So much food, so much clothing, cloth and shoes, steel, chariots and horses, and all the necessities of food, clothing, shelter and transportation, such a scale of relief has never been seen in ancient or modern times.

But this guy ...... But he took advantage of this to be grandiose...... Makes a lot of money.

After Zhu Di heard this, he couldn't help but turn his mind, and then he realized that he was only limited to whether Qixia Commercial Bank was making profits, and the pattern was too low.

It's still Zhang Anshi's mind that thinks wide!

So, I couldn't help but be overjoyed when I heard the words.

And Zhang Anshi didn't intend to stop there, he continued: "As for the second one, it is a loan. Your Majesty...... To tell the truth, most of the loans of these inferior gentry are from United Money Banks, and they have put up a sign in the provinces, but in fact, they are still the money released by United Money Banks. This borrowing ...... There is interest, because it involves a commercial loan, and the interest is not low. ”

Speaking of this, Zhang Anshi glanced at Zhou Juren with a smile, with a bit of mockery in his eyes, and then continued: "It's just a pity that these inferior gentlemen, although they also know that the interest rate is not low, they only think about making huge profits by hoarding goods, thinking that as long as they make enough, they ignore the interest, and they think that they will make steady profits." Your Majesty, this interest silver, calculated by Qian Zhuang, is at least around two million taels of silver, of course...... And that's not even the main thing. ”

Zhu Di: "......"

I have to say, if you want to talk about black, it's still Zhang Anshi's black! It's a one-stop service, from birth to cremation, it's all arranged for you.

But if you think about it, you want to say that he is bad, but it doesn't seem to be.

Because all this, in the final analysis, comes from the greed of those bad gentry who hoard goods, speaking of bad, Zhang Anshi is still a younger brother.

Zhang Anshi looked at Zhu Di with a smile and said, "The most important thing is ...... Mortgage of property. Your Majesty knows the money bank. The minister's management of the money bank has always been conservative, and the most worrying thing is bad debts. Because of this, we have always been cautious about borrowing. Any loan must be collateralized, and the valuation of the collateral has always been conservative. ”

Zhu Di also vaguely understood something at this time.

In fact, everyone in Zhou Ju understands this meaning better than anyone else, because they are the ones who have the most skin pain.

And the officials are speechless, everyone is smart and can already empathize.

Zhang Anshi generously continued to analyze: "The so-called mortgage is only in kind, and when evaluating its value, let's make an analogy. ”

Speaking of this, Zhang Anshi looked at the Zhou Juren again and said, "This Juren, if my guess is correct, you should be called Zhou Tao." ”

Zhou Juren's face turned pale, but he still nodded silently.

Zhang Anshi smiled, and then said: "His account, before he came, the minister had already inquired. ”

When Zhou Juren heard this, he became more and more aware that he had been arranged clearly, and it was even possible that when he was summoned to meet him, Zhang Anshi had already greeted the eunuchs and must bring him in.

Zhang Anshi didn't care about Zhou Juren's complicated gaze, but said: "This Zhou Juren can be said to be a big business, his family has thousands of hectares of fertile land, a large number of cattle and horses and mansions, as well as oil extraction workshops, and there are still a lot of shops in the city, if I remember correctly, the Kaifeng shop, in terms of market price, should be three hundred and seventy two hundred and seventy-one bays, right?" The Zhou family is in Kaifeng, and there are more than 20 such shops, but when he took out a loan, when the money village evaluated the mortgage, it would not be calculated according to 3701 bays, but halved, that is, 1890 taels of silver to calculate its valuation. Three hundred and seventy taels of shop as collateral, and you can only borrow less than two hundred taels of silver......"

After a pause, Zhang Anshi continued: "Of course, as long as the Zhou family can repay both the interest and the principal, this shop is still his." But if it's not enough...... Then Qian Zhuang had no choice but to confiscate his shop, land, cattle, horses, and mansion, this is the rule! After all, it is only natural to repay debts. ”

Zhang Anshi looked at Zhou Juren again with burning eyes, and said, "Zhou Juren, if I remember correctly, your Zhou family has borrowed a total of 23,400 taels of silver from Qianzhuang. Let me ask you, have you not paid back this silver, and have you not paid it back? If not, then not only your inheritance, but also the grain in your barn, will be confiscated. ”

When Zhou Juren heard this, he was directly furious, glared at Zhang Anshi fiercely, and said, "You...... Despicable, you ...... You're deliberately framing us ......"

The corners of Zhang Anshi's lips hooked a light smile, and he asked him mockingly: "What is deliberately framed, this loan was forced by this king?" It is clear that you inferior gentry, in order to exploit the people, maintain the price of grain in the disaster year, want to sell grain at a high price, and then buy the people's property at a low price, so that you come to borrow! Now it is still to blame on the head of this king, since you claim to be a grass people, and you are a grass people, you dare to bark in front of this king, and you commit the following crimes, what is your intention? ”

Zhou Juren listened to it, and he was almost angry.

Many of the people who came with him began to weep secretly.

At this point, they feel that they are really stupid.

Zhang Anshi immediately ignored this week's juren, but looked at Zhu Di and said, "Your Majesty, so ...... If these people can't repay the loan, then if nothing else, the nearly 10 million taels of silver that the bank has lent out, and the collateral that they have not received must be worth more than 20 million taels of silver, or even ...... And more! ”

"The only trouble is what to do with the property. Fortunately...... Many of the physical objects they mortgage are hard currencies on the market, and even if they are piled up together for a while and difficult to dispose of, it only takes a few years to digest them, but they don't have to worry about not being able to sell. ”

Zhu Di said: "Okay...... Good ......"

Zhu Di felt refreshed!

He said two good words in a row, and when he was about to continue to say a good word, he realized that it seemed that it was inappropriate to say these things at this time.

So he immediately straightened his face, his face was angry, and he said sharply: "If you borrow money for hoarding goods, it is to oppress the people, trap the people in fire and water, and abandon them, then ...... These people are not only condemnable, but also mad and heinous! ”

When Zhou Juren heard this, he began to tremble.

Zhang Anshi said: "Your Majesty is angry, this third income ...... Actually, it's not small......"

Zhu Di was stunned, and everyone was numb.

One by one, the benefits are clear, the people have been relieved, not only have they received relief, but also received excellent treatment, according to Zhang Anshi's method of relief, the imperial court can be said to have gained a huge number of people's hearts.

But not to mention that things are done properly, there are still so many incomes, whether it is taxes, or the interest of the bank, or even the confiscation of the collateral, it can be said that Zhu Di and Zhang Anshi are the most direct beneficiaries.

Others donated money, but he Zhu Di helped the people, making the people grateful, and they could still earn silver.

There is such a miracle in the world.

However, while Zhu Di was happy, he couldn't help but feel that Zhang Anshi's mouth was a little big.

If you earn it, you can earn it, you can say it in private, and now in front of everyone, say it one, two, three, four, five, this ...... On the contrary, it is a little unstable.

can think like this, but Zhu Di couldn't help but say: "What is the third?" ”

Zhang Anshi said: "In addition to providing enough food, the Taiping Mansion also distributes clothes, tools, etc., to teach the people to be able to eat and drink enough, to be able to keep warm from the cold, and at the same time, it also takes this opportunity to levy the people to work. ”

Therefore, in the four provinces, and in all the prefectures and counties, the ministers ordered people to organize the people who had been afflicted by the disaster, and to teach the weak children and teenagers to read and write. For the elderly, they are supported, for the women, they are given care of cooking and sewing, and for the strong men, they are taught to build bridges and pave roads, let them build reservoirs, dig canals, and even ...... Paving the roadbed. Your Majesty is rich all over the world, and this is because of ...... All the people of the world are His Majesty's subjects, and the land of the world is His Majesty's territory. These earnings are not real money, but Your Majesty ...... The development of these lands is the most valuable asset to His Majesty. ”

Zhu Di couldn't help but be excited when he heard it, this finally didn't directly talk about vulgar things such as gold and silver.

Zhu Di nodded with satisfaction and said, "This is reasonable. ”

Zhang Anshi continued: "Not to mention anything else, just talk about the roadbed, from Guanzhong to Henan, it has been built hundreds of miles long, and as for other projects, it is even more innumerable. And these roadbeds...... Before that, the railway department had carried out planning and calculation........."

Zhu Di felt that there was something in his words, and his expression became a little more serious.

Zhang Anshi continued: "Most of the land used in the roadbed is either ownerless, or it is mortgaged, and a few are purchased by the minister for some silver. If necessary, at the command of His Majesty, sleepers and rails can be laid at any time. ”

"In this way, the railway can be connected soon, the land along the railway, most of them are in the hands of the imperial court and the Taiping Mansion, and can also be operated, and, once the railway is built, it means that Guanzhong and Henan and other places, need to levy a large number of manpower, the disaster in recent years, hire a large number of manpower, build a railway, not only can make Guanzhong and Henan interconnected, can greatly provide great convenience for businessmen and people and the transportation of goods, but also allow many strong men, can rely on their own labor, to support the Hukou, can be described as a multi-kill."

Zhu Di: "......"

In this part of settling accounts, Zhang Anshi can be regarded as having a good understanding.

The railway is in Zhili, and the benefits are huge.

After all, the capacity of this thing is too large, and the transportation loss in ancient times is too large, and the transportation is already expensive, and the emergence of the railway not only greatly reduces the loss, but also makes the railway department earn a lot of money in Zhili.

It's just that this railway division has been limited to Zhili, and it originally wanted to expand to the Jiangxi political envoy department, but because of a huge nest, it failed.

On the one hand, it is in the hands of the gentry whose land is in the world, and it will require a great price to expropriate a large amount of land.

On the other hand, the construction of the railway, which is sky-high, is not a joke at such a huge price.

Can ...... now The land is in hand.

The most amazing thing is that even the roadbed has arrived.

You know, building a railroad is not just about laying tracks, the biggest expense is the requisition of a lot of labor, the construction of roadbeds, and the construction of bridges.

These are huge expenses in the early stage, and in terms of current productivity, such a job, a thousand-mile railway, at least tens of millions of strong men, takes a lot of time to complete.

Can ...... now Preliminary work...... It's a miraculous achievement.

It's okay if it's done, and it's the bad gentry who pay.

Next, all it takes is for the railway department to invest a large sum of money and start laying the rails and sleepers.

Zhu Di suddenly became excited.

A good thing like a railway, which can make a profit, can enhance the rule of the imperial court, can facilitate merchants, and can even bring wealth to the people.

But now...... Everything is ready, only the east wind is owed.

Zhu Di's voice couldn't help but tremble a little: "It's all ...... All have been built......"

Zhang Anshi confirmed: "The roadbed of the main line has been compacted, and even the land leveling work at some stations along the railway line has been completed. The main lines were raised, drainage canals were built on both sides, and a large amount of gravel was paved, except for sleepers and rails. ”

"Good!" Zhu Dilong's face was happy, and he suddenly became excited, with a big smile on his face, and said excitedly: "Okay, so, it will be beneficial for a thousand years, in this way, the country of the Ming Dynasty will ...... and it was as solid as a rock. ”

In fact, Zhang Anshi still feels a little pity, on the one hand, it is a pity that the roadbed has not yet been built in the Huguang area, after all, there are too many mountains and forests, and the current construction period is only barely carried out for a while. Moreover, there is a dense water network, and the work of building bridges is also a huge project.

On the other hand, it is the rivers that do hinder the railways to a certain extent.

After all, the construction of railway bridges over the Yangtze and Yellow rivers, at least for now, is impossible.

Therefore, Zhang Anshi's choice of method is to set up ferries at both ends of the blocked railway line, and the railway travels to the ferry, and then unloads the goods, loads them onto the ship, and then sends them to the ferry on the opposite bank, and reloads them on the railway line on the opposite bank.

Of course, even so, in this era, such a solution is a huge step forward, at least increasing the current capacity tenfold, and reducing losses by an unknown number of times.

But after all, it can't be like the future generations, and it can directly connect the north and the south, and it is inevitable that there will be regrets.

Zhu Di was ecstatic enough, and said with a smile: "A relief has become a thousand years of work, and Zhang Qing really has the talent of Guan Zhong and Le Yi." ”