After some tangle and thought.

Zhu Youzhen set a small goal for himself.

That is, to ensure that the income of the royal family is not less than 100 million silver dollars per year, but also to be able to save more than 10 million silver dollars, and achieve a balance rate of 10%.

To be honest, this goal, for other forces, may not be difficult, it can be described as very easy, and even save more money, for example, Guanning Group, today's annual income is said to have reached 500 million silver dollars, can save hundreds of millions of silver dollars, and the balance rate is 20%, so that the top management of Guan Ningjun is a rich country with countless savings.

But as an emperor, the emperor who rules this huge empire, he has to spend money in all aspects, and the emperor who is not allowed to reduce his investment has an annual balance of 10 million silver dollars, which is almost an impossible task.

No matter how frugal you are, you can't break a penny in half and spend it, but there will still be a lot of places where you have to spend that penny.

Even Zhu Youzhen sadly found that he may not even be able to compare with his own children, and he is much poorer than them.

For example, under the name of the crown prince Zhu Cihong, there are now eight imperial stores belonging to him, six prince's estates, three small and medium-sized factories and a number of other industries, as well as a fixed deposit of more than 3 million silver dollars, which is placed in the Tianxia Tong Bank and eats 5% interest per year.

The assets under the name of the prince are managed and operated by the queen Zhou Yufeng, because of the good economic development situation in these years, a large amount of profits are earned every year, and the professional management personnel of Xujiazhuang are invited to help train a group of management personnel, which has greatly improved the economic returns, so the net profit that the industry under the name of the prince can earn every year is more than one million silver dollars, and it will increase every year.

These incomes often make Zhu Youzhen drool with envy, and he also turned his brain many times, wanting to borrow a little money to spend it, make up for some shortcomings in expenses, or use it to do some big things, at the beginning, Queen Zhou and the sensible prince were willing to lend him money, but they borrowed more times, accumulating more than one million silver dollars, but when they couldn't pay back a penny, Queen Zhou was unwilling to borrow again, and Prince Zhu Cihong didn't want to send money to Zhu Youzhen again, because there was no repayment, it was clearly a bottomless pit of dissatisfaction, and then borrowed like this, Wouldn't you never see a silver dollar with white flowers, or a pile of banknotes, and you will never be able to live the life of a rich young master.

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Moreover, for Queen Zhou and Prince Zhu Cihong, with their noble status, they usually need to go out or do activities, and they also need to be pompous, and there must be dozens of people around them to serve, in order to win the hearts of the people around them, no matter how much they save daily expenses, it is also a big expense, just three hundred people, no less than five hundred silver dollars per person per year, and 150,000 silver dollars, in order to barely maintain the most basic decency.

In addition, it costs money to make friends, and Queen Zhou's clothes and cosmetics are all high-end, and the annual expenses will not be less than tens of thousands of silver dollars.

There is also the exchange of favors.

Socialization between friends.

Queen Zhou and Zhu Cihong will spend a lot of money every year, otherwise even if they try their best to save some unnecessary expenses, they are not particularly generous to their subordinates, only in larger festivals, will they show the royal temperament, but to maintain this frame and face, it costs a lot of money every year, if the money is borrowed by the emperor, they have no money, it will really hurt face, it will really damage the royal bearing, we must pay attention to it, and we can't make any mistakes.

So after Zhu Cihong turned ten years old and already understood a lot of truths and the importance of money, he began to guard his money bag to the death, saying that he didn't want to borrow anything, and urged his father Zhu Youzhen to hurry up and change money, and he must be a person who borrows and repays, and believes in his word, and must not become an old man - these words made Zhu Youzhen speechless.

Then Zhu Youzhen put the breakthrough of borrowing money on the body of Zhou Yufeng, the queen of Zhou, and wanted to do work for her, so that she could lend him more money from the perspective of a virtuous wife and the mother of a country, help him take care of this huge empire, and make a contribution to her.

Faced with this big pie.

Faced with the request of the husband and the high demands of the mother of a nation.

Zhou Yufeng cooperated at the beginning, subsidized a lot of funds into it, and the total number of zeros and zeros added up, there must be seven or eight hundred thousand or even more, this kind of pay, so that she reduced the number of times she went to high-end shopping malls to buy clothes, let her cancel many public welfare activities, and created a good plan for the image of a 'charity queen', but also canceled halfway, because there was no money, let alone participating in public welfare activities, she did not go out every day in the palace, and even had a lot fewer friends who had a good relationship, and her feelings became rusty.

No way.

It will never work like this.

Money.

You must have money to live a more free and easy life, to have seven points of confidence and three points of self-confidence, and not to weaken your momentum.

The second is the importance of money, Zhou Yufeng has experienced it a long time ago, and has had many bad memories, and does not want to have similar experiences again.

Anyway, after thinking about it for a long time, Zhou Yufeng still decided that he couldn't live the kind of life before, and he couldn't give a lot of the money spent in vain to Zhu Youzhen to consume, even if there were still many people in Daming who couldn't eat enough, couldn't live in palace-like houses, and struggled in the abyss of poverty, but Zhou Yufeng really didn't have that bodhisattva-like heart, but changing fate was mainly the matter of those who were oppressed by fate, they had to have the courage to struggle to get rid of poverty, and financial assistance could only relieve them for a while. It's just a palliative, not a cure.

The best way is for them to work hard and make progress on their own, so as to change their poor fate, otherwise they will rely entirely on the court and the royal family for relief, which will only form dependence, and the problem will still exist.

Moreover, the prince Zhu Cihong is getting older and older, he is fourteen years old this year, and he is about to be fifteen years old, because he was well nourished when he was a child, he is close to one meter eight, he is very tall and healthy, and he has a smart mind, he learns everything quickly, he is not as good as a top genius, but he is still a smart person, and he is very good at making friends, his emotional intelligence is not low, and he has long been surrounded by a large circle of people, some are the sons of nobles, and some are the descendants of businessmen, all of whom are the pride of the sky, and the family conditions are poor. And Zhu Cihong has his own goals and dreams at a very young age, and he has long wanted to use the entire Ming Dynasty as a stage to write his own wonderful, and to surpass his father and become the 'Emperor of the Ages', creating an unprecedented bright and prosperous era.

But...... These ideals all need money to realize, which is not exciting, but also means gold and silver, in order to become a reality.

It's just that there are so many precious funds, but they haven't been able to play a good purpose, and the cost-effectiveness ratio is very low, which makes Zhu Cihong feel helpless many times, and always feels that his father's ability is a little insufficient, and he can't grasp the core of the problem, resulting in a lot of unjust money spent over the years, but the so-called 'reform' has relatively limited results.

If it is handed over to Zhu Cihong to grasp by himself, he will have many kinds of tricks to lead Daming to take off, and the money spent may not be a lot.

Far from it.

But no matter what, in the relatives around him, Zhu Youzhen can no longer borrow money, no matter how good things are said, even if some concubines who like to compete for favor, they will not be willing to lend him money in order to get his favor, which is really scary.

As for the Tianxia Tong Bank, there is certainly no big problem in lending money to the royal family, Xu Yuan also hopes that the royal family can borrow a little more, so as to stimulate the liquidity of the economy, with an annual interest rate of about 5%, borrowing thirty or fifty million is not a problem at all, if there is some difficulty in the future, and the arrears cannot be repaid, then it can only take away some of the core interests or rights of the Ming Dynasty, and further hollow out the connotation of the Ming Dynasty, so that the imperial power is full of holes, and slowly people will no longer follow and serve.

Therefore, the road of borrowing money is also impassable, and Zhu Youzhen has already been saddled with a huge debt of 100 million silver dollars, and he doesn't want to carry more, otherwise it will be difficult for him to sleep at night.

Headache.

Very headache.

A lot of brain cells died.

Regardless of the good or bad methods, I have thought about them all, either they are unrealistic, or the side effects are too great, and they may even outweigh the losses and cannot be tried easily.

I racked my brains for a while.

And took a good inventory of the assets under the royal family's name, and for those parts that he could completely control, Zhu Youzhen compared and observed them carefully, and finally his eyes lit up and he thought of a feasible solution.

Royal Farmstead!

In particular, the 300 royal farms in Beizhili, Zhu Youzhen carefully analyzed and found that although these royal farms are not small in scale, and after so many years of operation, all of them have achieved positive income, can overcome the impact of natural disasters, and can net some income every year, which has become an important part of the royal family's assets.

And in these royal farms, there are nearly five million people living in them, most of them are high-quality young and strong, although compared with the population of 230 million in the Ming Dynasty, this population seems to be a bit insufficient, and even a burden and burden, I don't know how much food and materials will be consumed, in order to feed so many people, but in terms of output, after ten years of careful management, it is still not particularly ideal, except for the dozen or so royal farms with mines underground, which bring a lot of mineral income.

However, in terms of agriculture and animal husbandry, these 300 royal farms, in the past year, only brought 5 million stone of grain to the royal family's internal funds, as well as 100,000 pigs, cattle and sheep, which is about equivalent to the income of 3 million silver dollars, that is, the average farm can bring a net income of 10,000 silver dollars.

Of course, there will definitely be an increase in the future, reaching 15,000 silver dollars per manor, or even 20,000 silver dollars, it is entirely possible, and it will get better and better, after all, the person responsible for managing these royal farms is the talented and extremely responsible Fang Yizhi, he used to tan black, and the price of weighing less than 100 catties for a long time, to achieve today's achievements, his dedication and sweat, in the court, no one is not convinced and admired, that is, those civil officials who have a bad feeling for the emperor, also think that Fang Yizhi is the emperor's side' One of the core loyal dogs', 'talent race over Wuhou', is a person worthy of attention and vigilance, if he is reused by the emperor, he may not be able to become a figure at the level of cabinet chief and auxiliary.

But at this moment.

In Zhu Youzhen's mind, an idea, or hypothesis, was born.

That is to say, if all the 300 royal farms are sold, these farms with good facilities and tens of millions of acres of land, and they are cooked land that has been cultivated for a long time, according to the current land price, it should be no problem to sell one acre of cooked land for five silver dollars, right?

There are also the houses of the royal farm, workshops, vegetable gardens and other facilities, each manor sells for 100,000 silver dollars, there should be no problem, right?

In this way, the value of the land reached 50 million silver dollars.

The value of the manor is 30 million silver dollars.

Finally, there is the five million young and strong population, now there is a shortage of labor in various parts of the Ming Dynasty, and the overseas colonies also need a lot of manpower, if these young and strong people are arranged to work in various places in the form of dispatched laborers, and only charge a referral fee, then a young man can earn ten silver dollars in the introduction fee, and five million people, that is, the introduction fee of 50 million silver dollars.

Of course, if you send young people to overseas colonies, you can get an introduction fee of 30 silver dollars per person, and you can earn more, and there is no limit to men, women, old and young, as long as you are able-bodied, you will have an introduction fee of 30 silver dollars, multiplied by 5 million people, that is a full 150 million silver dollars.

Add to that the value of the land and the infrastructure of the estate.

That's a total of 230 million silver dollars.

Money.

This is an unimaginable amount of money, equivalent to getting 10 million silver dollars a year for 23 consecutive years, which can last for a long time.

If you keep these estates, you will only have about three million silver dollars a year, if you encounter a bad climate, the crops are not harvested, or a large number of cattle and sheep are frozen to death, then not to mention the income, you may have to pay money for relief, and you have to put in a lot of funds, this kind of thing, in the past ten years, has happened three or four times, that is, on average, every two years, can there be a year of harvest, a year of poor harvest or a small amount of loss, on average, only 1.5 million silver dollars per year.

It is difficult to guarantee long-term stability and a bumper harvest every year.

And even if there is a bumper harvest, the average net income of each royal manor in a year is only 10,000 silver dollars, which is equivalent to each farmer, can only bring less than 1 silver dollar, this rate of return is too low, which means that each farmer, busy all year round, can only bring a silver dollar to the royal family, and now the per capita income of the Ming Dynasty is about 50 silver dollars, according to the 3% tax rate, you can also pay a tax of 1.5 silver dollars, the yield of the royal farm, is not as good as the ordinary Ming people, the tax pressure is too low.

If it is replaced by those overseas estates, such as sugar cane estates and rubber estates, the average income brought by each farmer can easily exceed five silver dollars, eight silver dollars or even ten silver dollars, and even ordinary grain estates can bring no less than three silver dollars per person per year.

There is a threefold difference!

If all the villagers in these 300 royal estates are sent to the land of Nanyang and new estates are opened, it will definitely bring higher benefits, more income, and the cost performance will definitely increase by more than one or two times.

Chicken.

In Zhu Youzhen's heart, he labeled the royal farm as a chicken rib, and when his eyes turned, he moved to make changes and make vigorous adjustments, because only in this way can he achieve the goal of accumulating 10 million silver dollars a year.