Chapter 123 National Focus

Zhu Yuanzhang repeatedly ordered that usury was strictly prohibited and the upper limit of interest was fixed, but was it useful?

He Xi promoted a sound monetary system to reduce the cost of trade. It's good for the whole Ming Dynasty. But what will be brought about will be the closure of many gold and silver shops, after all, they are all the currency of the same system, and there is no need for currencies to exchange with each other.

There is no need for gold and silver shops.

Banks can also lend. The lending price is naturally in line with the Ming policy.

Although it is said that most people do not go directly to the bank for loans, the loans issued by the banks are placed there, which directly reduces the interest rate of the whole country. It is even foreseeable that many qualified people will take loans from banks and then re-lend them.

Earn the interest difference inside.

But even so, if someone does such a thing, the profits will be rolled over, and they will not be able to do so, but the channels for ordinary people to take out loans will definitely increase.

That's all good. But for some people it's different.

There is a strong conflict of interest here.

And it is not limited to Beijing, many places are beyond the reach of He Xi, and it can only depend on Zhu Yuanzhang's thoughts.

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Zhu Yuanzhang looked at the red tray in his hand, silver dollars and copper coins, as well as silver tickets of various specifications.

The maximum number of silver tickets is one hundred taels, and no matter how high it is, there will be no more. However, you can go directly to the bank and write a check. Each silver ticket is beautifully printed, and each silver dollar has a Ming silver dollar on it, with the words "one yuan" on the back, and the copper coins are also divided into sizes. Large copper coins should be a hundred texts, and small copper coins should be a text. All copper coins before the Ming Dynasty will be recycled and reminted in the future, and in the future, there will only be this style of copper coins.

There is no difference except for the year of minting.

There is no mark of a certain treasure.

Zhu Yuanzhang looked at these carefully, and suddenly remembered that on that night many years ago, he had found the red banknote from He Xi. In my heart, I found a set of designs with red as the background color from these schemes. said: "That's it." ”

An edict was then drafted.

There are three contents.

First, from now on, people from all over the country can take treasure money to the bank to exchange silver dollar banknotes. and silver dollars. In the winter of the 28th year of Hongwu, the treasure banknote was officially abolished and was not allowed to circulate from then on.

Second, from now on, the Ming Dynasty is only allowed to use silver coins and banknotes. Ban gold and silver. Taxes in all localities must be converted into silver dollars, and silver ingots are no longer used to pay them.

Third, from now on, the treasure money in the Ming officials' fortunes will be exchanged for silver coins.

This is He Xi's first policy to promote the whole country, and it has been officially promoted.

For a time, there was a lot of discussion in the world.

Treasure money turned into paper money, seemingly ordinary money exchange, such a thing, in the Jin Yuan era, there have been I don't know how many times, many people don't care. The only thing that pleased the officials of the world was that the silver dollar banknote replaced the treasure banknote.

In this way, it is equivalent to an increase in his salary.

For them, it's also a big plus.

It's just that there are a lot of people who are quite reluctant.

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In Ding Xian's room, the lights were dim.

Ding Xian sat in the center.

There was a group of people sitting on either side, but in temperament, they did not look like officials, nor like merchants, but like slaves. It's the kind of slave who is a slave to others and arrogant at the same time.

At this time, one of them said sharply: "Ding Xian, my family has given you so much support, is this how you reciprocate?" Look at how much loss the imperial court has brought to my family by doing this now, don't you have anything to say? ”

Ding Xian said: "How much loss, let me hear it." ”

This slave didn't know what to say for a while, gritted his teeth and didn't speak.

A man sitting across from him immediately said, "Okay." All right. He played a round and said: "Lord Ding, we have cooperated for so many years, you are now a famous person in the world, and we can't afford to climb high, it's just an old relationship, always have to think about it, otherwise, how will we cooperate in the future?" ”

Ding seemed to be valued by Zhu Yunwen. With Zhu Yunwen here, Ding Xian's position is stable.

Even if Zhu Yuanzhang doesn't like Zhu Yunwen, it is impossible to attack a person that Zhu Yunwen values, that is too intolerant. And what does the prince think?

And the reason why Ding Xian was able to become a famous person in the world in the first place was naturally with the help of these people, who were all in charge of the Jiangnan clan. It can be said that Jiangnan, as the richest place in the Ming Dynasty, has the most gold and silver shops and pawnshops.

If you say, how much money does this industry make every year? He Xi didn't know. After all, many of these industries have not opened for three years, and they have been open for three years, and it is hard to say whether they have not opened for three years. But it's true that it's been open for three years.

Profit margins are extremely high.

As analyzed by He Xi, He Xi's monetary policy, although it has lost their interests, they can still endure it, they can really bear it, and they can't bear it. Zhu Yuanzhang is still there. To put it mildly, the imperial court issued treasure money to depreciate and collect property from the people, and these people were also recruited, but what can be done?

Do everything you can to pass it on to the following.

As for the rest, I can only endure it.

Now, this policy is also hurting their interests. But what they couldn't bear the most was that He Xi spread the bank all over the world, and even seemed to be spreading it all over the southern provinces and counties.

This seriously infringes on their interests.

This is something they cannot bear.

After all, Zhu Yuanzhang has been attacking the landlord class for a long time, and the list of landlords with a land area of more than 3,000 mu has always been above Zhu Yuanzhang's case, and now these gentry are also empty shelves. Where there is not much money, if you put usury, it will not work anymore.

They can't sustain a lot of expenses.

Ding Xian sighed and said, "It's not that I don't help, and now this kind of thing, can I Ding Xian speak?" I can only tell you a few inside things, as for the rest. I don't know, if you really want to find a way, you go to find Master Fang? ”

"He's the one who can really do it."

As soon as they said Bachelor Fang, they were all silent.

This made Ding Xian feel some resentment in his heart.

Without him, Bachelor Fang is Fang Xiaoru. In fact, Fang Xiaoru and Ding Xian are the same group of people behind them, but the cooperation model is completely different. On Fang Xiaoru's side, even the heads of these people's families have to pay respectful visits, and Fang Xiaoru may not meet them. These people want to hold Fang Xiaoru.

And Ding Xian, even if many people know his relationship with Zhu Yunwen. But he didn't look at Ding Xian squarely. Just send some stewards to do a thing or two.

I want to get some inside information from Ding Xian, but I don't even have much basic respect.

How does this not make Ding Xian resentful.

Ding Xian sneered in his heart and said secretly: "One day, I will make you pay." ”

"Mr. Ding." A slave said: "In the current situation, please ask Mr. Ding for some advice." ”

Ding Xian said: "Advice? It's also very simple, and now there are three strategies. ”

"The best policy is to be patient and leave it at that."

Immediately someone said, "What kind of are you?" ”

Ding Xian said: ", and behind He Xi today is Your Majesty, not what He Xi is doing, but Your Majesty is doing things with He Xi's hand, opposing He Xi is opposing Your Majesty, and what is the fate of those who oppose Your Majesty." Don't you know? ”

As soon as these words came out, everyone's faces turned extremely pale.

Some people are even sweating on their foreheads.

Zhu Yuanzhang's prestige is as good as Si.

Ding Xian said: "The middle strategy, that is, to support His Majesty's policy and participate in it." When the bank goes to the place and wants to do things, it always has to bow its head and cooperate. This is also the mining industry to make money. ”

Some people died, but not completely......