Nanking.

Zhu Yuanzhang looked at Guo Heng, who was kneeling down, and squinted his eyes and thought carefully.

"Emperor Jinren, you have to be whipped for vain use of the treasury money and grain, Guo Heng, are you guilty?"

At the beginning of the rise of the Jin people, Ah Guda said that the money and grain in the treasury could only be used for state affairs, and were not allowed for private use, nor was it allowed by the emperor.

After Yan Mian ascended to the throne, he couldn't hold back once and secretly used the money in the treasury to buy wine.

Yes, it is the kind of highly distilled liquor offered by the Taoist priest Xiao Baozhen, that is, the high-grade liquor, which was monopolized in the hands of Taoist priests and monks before Xiao Baozhen contributed this liquor brewing method to the emperor of the Dajin Kingdom.

As a result, Wan Yan Mian was discovered, so Wan Yan Mian was beaten 20 boards in public, and after the beating, he had to sit on the throne and accept the congratulations of the ministers, saying that he enforced the law impartially.

Guo Heng trembled, lying on the ground sweating profusely, not daring to speak.

He was busy for a whole year, and the taxes he collected were only more than 1.2 million Ming silver dollars.

And he should have completed the tax collection target of four million silver dollars in Suzhou and other places.

In addition, the Beiping Caoyun incident occurred.

In Kaifeng, Zhu Hu, the king of Zhou, took the initiative to report and expose Feng Sheng's story, which caused Hubu Wo to be thundered all of a sudden.

The entire account department of Daming, the Daming Royal Bank, is too problematic.

In recent years, because of the recommendation system, most of the officials in the south have a close relationship with the rich merchant gentry, after all, they can enter the imperial court, and most of them rely on the rich merchant gentry to build momentum for them and praise them as celebrities.

This is especially true in Jiangsu, Zhejiang and Shanghai.

There are so many famous businessmen in this place that it is difficult for officials not to be infiltrated.

"Now, the queen is not in good health, and we don't want to kill too much."

"You Guo Heng, recommend and expose your accomplices, we will give you a decent one!"

Zhu Yuanzhang squinted his eyes and said sharply, he rarely got angry like this.

Guo Heng suddenly collapsed to the ground, and said weakly: "The superior, the minister is guilty, and the minister is ashamed of the superior." ”

"In the land of Songhu, there are many powerful people, and the ministers try their best to collect taxes, but only half of them are obtained, as for the greed for ink, the ministers, the ministers have nothing to say."

Zhu Yuanzhang snorted coldly.

He had already made up his mind that after the prince Zhu Biao came back, he would start to speed up the handover.

At the same time, the nobles in charge of the army are not allowed to do business, and the nobles in business are not allowed to run the army.

All the money is deposited in the Royal Bank of Daming.

Xun Gui buys and sells, and the Daming Royal Bank will take half of the shares.

The adult members of the royal family of the Ming Dynasty were sent to various places to serve as executives of the Ming Royal Bank, with a group of eunuchs and brocade guards, to check the bank accounts and supervise the officials.

It doesn't matter if you don't check.

Check it out.

Daming's taxes were greedy for ink, and they were simply rotten to the bone.

Take Kaifeng, the fief of Zhu Hu, the king of Zhou, as an example. The Kaifeng warehouse should have had 3.5 million stone of grain in stock.

The actual grain stock is less than 1.4 million stones.

Among them, more than 30% of the grain ships were occupied by the nobles, and they were used to do business, do business, and transport grain taxes to the north.

Fortunately, in the past two years, Daming has opened up sources and reduced expenditures, relying on the issuance of treasury bonds, Daming Royal Bank has absorbed savings and accumulated a lot of money.

Nowadays, Fujian, Guangdong, under the governance of Dongguan Bo He Zhen, as well as Nanxiong Marquis Zhao Yong, the war was pacified, the Ming Dynasty relaxed the restrictions on maritime trade to a certain extent, and the merchant ships that went to sea gradually increased, and there was a Han pirate named Chen Zuyi and other places.

This person owns thousands of ships on the sea, and has a huge influence in Luzon, True Wax and other places.

The merchant ships of the Ming Dynasty have been plundered by him many times, and now the navigation marquis Zhang He, who is cooperating with Zhao Yong and others, has experienced major events in the South Seas, Zhu Yuanzhang was angry, and degraded Zhu Hu to Guangdong, and ordered him to supervise the shipping department of the sea trade market in Guangdong, and look for all kinds of good varieties, such as sweet potatoes and peppers.

There is also Zhu Xiongying said, a banana seed from the extreme west, if it can be found, it will atone for its sins, if it can't be found, Zhu Hu is not allowed to return to Beijing.

In fact, at this time, Daming knew Africa, and also knew that African bananas had good varieties, in Zhu Xiongying's time and space, bananas have been improved many times to form modern varieties, but few people know that most of the modern banana species are the mother seeds found by Europeans from Africa, African bananas, full of fruit, delicious to eat.

During the Great Yuan Dynasty, there were merchant ships that went to Central Asia and West Asia, and there were also Wang Dayuan in Africa, but unfortunately they did not find this excellent banana mother seed.

If it can be found, it can be an excellent food for famine.

Zhu Hu's matter gave Zhu Yuanzhang a profound lesson, his previous strategy was to use the prince to marry the daughter of a noble to maintain the rule of the army guard.

For example, Xu Da Town Beiping, and Xu Da often encountered many Northern Expeditions in the spring, and most of the northern guards were Xu Da's old department, so Zhu Di guarded Yanyun and married Xu Da's daughter.

For example, Zhu Li, the king of Jin, was in Taiyuan, and the old department of Yongping Marquis Xie Cheng was mostly in Shanxi, so he married Xie Cheng's daughter.

Feng Sheng, the Duke of Song, was mostly in Henan, so he ordered Zhu Hu to marry Feng Sheng's daughter.

Zhu Wei, the king of Qin, married Wang Min, the former Mongolian landlord in Shaanxi and Wang Baobao's sister, because he guarded Chang'an.

He hoped to maintain the rule of the Ming Dynasty through the marriage between the royal family and the local powerful and the military nobles.

However, after the Ming Dynasty opened up the trade routes, these nobles gradually began to gather the royal wool, and did not treat themselves as outsiders at all, constantly squeezing the rights of the Ming court and paying tax income.

At this time, they are more hateful than civilian officials.

Civilian officials have no military power, and it is very easy to deal with them.

If the nobles hold a group to form an oligarch of interests, it will be a disaster for the Ming Dynasty, and the future Ming Emperor will rely on the face of the nobles everywhere.

Even under Zhu Yuanzhang's careful consideration, if the emperor in the future does not win over the most powerful and wealthy princes, the country may not be able to sit firmly.

So, he began to consciously relax the restrictions on civil officials, and began to encourage the southern civil officials to do business, suppress the nobles, under his instruction, the imperial history of the Inspectorate began to criticize the military generals and nobles for doing business, has dealt with hundreds of thousands of households, most of them have been degraded to this Yunnan Guizhou, or Zhu Di before the army, and some are degraded to Fujian and Guangdong, and ordered them to lead the team with the ship to make money for the Ming sea trade.

This method can only be slightly alleviated, not eradicated.

If you want to eradicate it, one is to have a big war, and the most guilty princes and marquis will be lifted up, or they will be thrown down.

Moreover, he has acquiesced to the wealthy merchants in the south to form a bank, which is guaranteed by the Ming government, and after depositing enough security in the Daming Royal Bank, he began to lend and absorb deposits.

In a country, if the government ends up lending usury, then the people will be in turmoil.

Nowadays, the Daming Royal Bank, but in two years, there have been various problems, a lot of private lending, the Royal Bank is not able to participate, there are some dirty work, or the power of private capital to promote.

Zhu Yuanzhang has read many books written by Zhu Xiongying.

He thought that the Daming Royal Bank should still be written according to Zhu Xiongying.

To become a central bank, it only undertakes the function of issuing currency, collecting deposits and guaranteeing for private banks and quasi-government banks, providing low-interest and interest-free loans for the development of the country, and issuing national bonds.

Let private capital be active.

Let the nobles who lead the soldiers honestly lead the soldiers and become professional military marquis.

As for the nobles who do business, they must hand over their military power, and then use the rich businessmen in the south to fight with the nobles, so as to avoid the nobles and the Ming Dynasty.

"I will sentence you to go to Annan and build a branch of the Royal Bank of Daming."

Zhu Yuanzhang thought for a while and said.

Guo Heng thought that he would be sentenced to go to Guizhou, but at this moment he was surprised and delighted when he heard the words, and he was surprised that Daming was actually going to establish a branch of the Royal Bank in Annan, and he was happy that he could go to Annan.

Today, although the maritime trade throughput of the Ming Dynasty has not yet reached the peak of the Yuan Dynasty and the Song Dynasty, it has become much more active after two years.

At the peak of the Yuan Dynasty, the sea trade was much larger than that of the Southern Song Dynasty.

At this time, although the Ming Dynasty had not reached half of the level of the Southern Song Dynasty, the demand for cash and currency was already very large.

The demand for currency gave birth to the Daming Royal Bank, which needed to drive to Annam.

"You go to Annan, you have something important to do, listen carefully!"

Zhu Yuanzhang waved his hand expressionlessly, and the attendant next to him handed him a piece of paper, and after Guo Heng saw it, his eyes widened......

Support the nobles of the Chen Dynasty in Annan, provoke the upper echelons of the Chen Dynasty in Annan, control the sea trade of the Chen Dynasty economically, and collapse the monetary system of Annan......

Economically, whale swallows Annam!