"Ahem!"

Seeing that Yu Xin was sitting down, Zhu Yunwen deliberately coughed dryly, and then put his hands behind his back and said: "Yu Aiqing has been in the household department for many years, and during the period of the emperor's grandfather, he presided over the printing and distribution of treasure banknotes, so it should be understood that the reason why treasure banknotes can be accepted by the people has little to do with how much gold and silver there is in the treasury." ”

"Why is it okay?"

When Yu Xin heard Zhu Yunwen's words, his eyes widened: "The treasury only prints treasure money because of the lack of gold and silver, if there is enough gold and silver, who will print treasure money!" ”

"Look, you're in a hurry again, I haven't finished talking yet!"

"What Your Majesty said, the minister does not agree!"

"If you don't agree, you have to .....listen to it first," Zhu Yunwen said with a straight face: "The angle you stand on is the perspective of the imperial court, but you think about it from the perspective of the people, what do the people rely on to believe that the treasure money can be exchanged for one or two silver?" ”

"Damn...."

Yu Xin frowned and said, "It depends on the will promulgated by Emperor Gao!" ”

"No, not all right, it should be relied on by credit!"

"Credit?"

Yu Xin looked at Zhu Yunwen with a puzzled face.

Zhu Yunwen groaned: "The treasure banknote can be issued smoothly, and there are no drawbacks at the beginning of the issuance, because the people believe in the imperial court, and I call it the credit of the imperial court!" ”

"Why, then, did the treasure depreciate?"

Yu Xin: "......."

"Because the credit of the imperial court has decreased!"

Yu Xin: "......."

"As long as the imperial court re-establishes the credit system and maintains it, the value of the treasure banknote will increase, so that it can circulate well in the market!"

Yu Xinyan pondered for a while, and then asked Zhu Yunwen: "According to what Your Majesty said, how to establish the credit system of the imperial court?" ”

"It's something to do with the gold and silver mines I told you!"

Zhu Yunwen said with a smile: "If you want to quickly establish the credit system of the imperial court, you must link the treasure banknote to gold and silver. ”

"But isn't that gold and silver still in the mines? How to convince the people that the court had enough gold and silver? ”

"You're starting to rush again, aren't you?"

"No, minister.... Punish the crime! ”

Yu Xin reluctantly confessed to Zhu Yunwen.

In fact, it's no wonder that he is frequently rude, mainly because of the financial system that Zhu Yunwen talked about, and he is too interested.

That kind of curiosity made him eat the marrow and know the taste, and completely forgot his identity.

However, Zhu Yunwen didn't blame him, just smiled and waved his hand: "Wang Zhong, come in with a few treasure notes!" ”

"Yes!"

Wang Zhong responded, and immediately took out a few treasure banknotes with the same face value and handed them to Zhu Yunwen.

Zhu Yunwen took the treasure note and looked at it, and then said to Yu Xin: "Yu Aiqing, assuming that the treasure money in my hand has not depreciated in the slightest, Wang Zhong needs ten catties of tea, and he sold the jade pendant on his body for three treasure notes." ”

"Then Wang Zhong bought ten catties of tea, which required five hundred wen, and I just had ten catties of tea in my hand."

"So....", he turned his head to look at Wang Zhong and said with a smile: "Wang Zhong, give me five hundred texts!" ”

"Your Majesty!" Wang Zhong did not hesitate at all, and directly took out five hundred Wen from his arms and gave it to Zhu Yunwen.

Zhu Yunwen took the money, and then said: "Okay, Wang Zhong now has ten catties of tea, assuming that Wang Zhong doesn't plan to buy anything anymore, what will he do with the rest of the treasure money?" ”

"This slave knows that the slave will save the treasure money!" Wang Zhong hurriedly replied: "In the future, when the slave and maid want to buy something, they can buy it with treasure money!" ”

"Not bad!"

Zhu Yunwen nodded with satisfaction, and then looked at Yu Xin; "Did Yu Aiqing understand?"

"This ....."

Yu Xin hesitated slightly, and then reacted, his eyes lit up: "Your Majesty means that as long as the people save the treasure money, there will not be a large amount of treasure money on the market?" ”

"That's half right!" Zhu Guanwen commented.

"Huh? What does Your Majesty mean? ”

"If the value of the treasure money is depreciated, whether it is saved or kept in the hands, the people's money will be reduced."

"But." As he spoke, he changed his words and continued: "As long as the credit system of the imperial court is established, the treasure money will not be easy to depreciate, and the money in the hands of the people will not be reduced!" ”

"Moreover, treasure banknotes can not only be used as circulating currency, but also can be exchanged for silver taels, which can be described as killing two birds with one stone!"

"Although Your Majesty's words are polite, there is still something unclear about the minister." Yu Xin groaned: "What are the benefits of the imperial court establishing a credit system? In addition to making the people profitable....."

"Hahaha, Yu Shangshu is not stupid, you can see this, it means that you are not a corpse vegetarian in the household department!" Zhu Yunwen laughed.

"Minister...."

Yu Xin opened his mouth, but he stopped talking.

The heart said, if I am a corpse vegetarian, can I still survive during the reign of Emperor Gao?

I don't know how high the grass is at the grave!

As if seeing Yu Xin's embarrassment, Zhu Yunwen smiled and waved his hand: "Don't mind Yu Aiqing, I didn't mean to belittle you, but praised your reaction speed!" ”

"The minister knows, and I ask Your Majesty to solve your doubts...."

"Hmm."

Zhu Guanwen nodded with a smile and said: "In fact, the benefit that the imperial court can get is the treasure money that the people have saved!" ”

"Your Majesty means ....."

"It seems that you have already thought of it, yes, the treasure money is in circulation, let's score two ends!"

Zhu Yunwen explained: "The imperial court printed and distributed treasure money, is to the people, as long as the imperial court's credit system is established, so that the treasure money is not easily depreciated, then the treasure money in the hands of the people is silver money, and silver money is treasure money!" ”

"But for the imperial court, what is the essence of treasure money? Paper! ”

"Because the imperial court issued a decree that gave these papers the properties of silver money."

"The imperial court can exchange treasure money for materials, as long as the credit system is still there, the imperial court can always exchange for materials, and those treasure money retained by the people are the harvest of the imperial court."

"Don't say that one household saves consistently, that is, ten households save two times, how much money is this?"

"This, this, this..."

Yu Xin's pupils were like a magnitude nine earthquake, and he couldn't help but feel a little dry.

The current population of the Ming Dynasty has long exceeded 10 million, and if ten households save two guan, it will be two million.

And that's just a conservative estimate!

Thinking about it a little bigger, if a household has a consistent deposit, it is more than 20 million.

You must know that the silver tax of Daming today is only more than two million yuan.

Yu Xin really couldn't figure out why Zhu Yunwen didn't make this suggestion when Lao Zhu was there, and waited until Lao Zhu died.

Isn't he afraid that Lao Zhu's coffin board can't be suppressed, and he will get up and beat him to death?

If his grandson is so virtuous, he will definitely fight to the death!

It's so infuriating!

Where's my stick!

The more Yu Xin thought about it, the more angry he became, and he couldn't help but look around.

Seeing this, Zhu Yunwen was stunned, and asked suspiciously, "Did Yu Aiqing lose something?" I'll help you find it? ”

Yu Xin: "......"

Yu Xin: "No, the minister's neck is not very comfortable...."

"Since Yu Aiqing is tired, let's talk later......"

Zhu Yunwen said, waved his hand at Wang Zhong and said, "Wang Zhong, make tea!" ”

"No, no, your majesty, you continue, the minister is fine!" Yu Xin hurriedly said.

"It's okay to have a cup of tea, don't worry."

"Your Majesty is not in a hurry, the minister is in a hurry!"

Zhu Yunwen tilted his head and said, "What are you anxious about?" ”

"Your Majesty, although your idea is good, there is a big problem!"

Yu Xin said: "Even if the people's money falls into the hands of the imperial court, the imperial court will not dare to spend it indiscriminately...."

"Why?"

"Because the credit of the court that Your Majesty said is built up by those gold and silver mines, in case the people want to exchange treasure money for gold and silver, what should the court do?"

Hearing this, Zhu Yunwen was suddenly shocked, and said in his heart that this guy is so powerful!