Chapter 39: Crisis and Risk

Fang Xiaoru said: "In the opinion of the minister, the head office of Daming Bank should be established in Nanjing, take over all the branches below, and exchange the old Hongwu banknotes of Daming Bank for the new banknotes of Jianwen. From now on, the bank can also be used by His Majesty."

Zhu Yunwen listened to Fang Xiaoru's words.

Perhaps, they can also over-issue currency, as Beijing did.

Fang Xiaoru actually felt the financial crisis more than anyone else. It's just that he really doesn't have a solution.

Increase business taxes?

The premise of He Xi's increase in commercial tax is that he has established a strong Shuntian government official, as well as the entire banking system, and other aspects of the cooperation, and finally can use the simplest means to collect commercial tax, it must be known that taxation has always been a technical work.

Otherwise, a penny tax will be set below, and the lowest level will have to pay one yuan, and the rest of the money will be exploited by the intermediate links. In the end, the top felt that I had only made a little money, and the bottom had already been revealed.

Chongzhen can be used as a negative teaching material in this regard.

Fang Xiaoru naturally didn't know Chongzhen.

But it doesn't prevent him from having a sense of this.

Fang Xiaoru could not carry out drastic reforms of the civil service system that he supported. Even corruption, Fang Xiaoru is not well governed, and he is in a state of decline, not to mention system reform.

There is a saying that if you rise because of this, you will die because of it.

Although this sentence gives people a sense of fatalism, it is true many times. This is path dependence. When a person succeeds because of a method, he feels that he can use this method to win the next success, maybe he can, but one day, this method will not lead him to success. Instead, he became the culprit of his failure.

Fang Xiaoru has attracted many people and made himself the spokesperson of the civil and official system, forming a force that Zhu Yuanzhang cannot ignore.

But how much control does Fang Xiaoru have over this force?

Is it that Fang Xiaoru relies more on this force, but the opposite?

This force itself is old-fashioned. It is simply impossible for Fang Xiaoru to make reforms, which is more difficult than slapping himself in the mouth, because this represents the death of Fang Xiaoru's political credibility.

This can't be done, that can't be done, Fang Xiaoru still has to solve the problem, Fang Xiaoru thinks about it, and there is only one way.

That is the over-issuance of currency.

Repeat the mistake of treasure money.

From the perspective of later generations, many people seem to be stupid, but if you put yourself in this person's position, it may be the most subtle response he can make.

After all, in Fang Xiaoru's opinion. He Xi can save the situation of the treasure bank, and after pacifying Beijing in the future, he will not be too late to find a way.

Zhu Yunwen also understood Fang Xiaoru's thoughts, and said, "Mr. Fang, the situation is not good now, so I won't say anything. No matter what you do, there must be no financial problems. You can do it yourself."

Zhu Yunwen understood Fang Xiaoru's thoughts, but he didn't stop it, not even just didn't stop it, he was ready, how to cut it off with Fang Xiaoru.

He will not give Fang Xiaoru any orders in this regard, and when the world complains in the future, it will be when Fang Xiaoru will go to the throne.

Fang Xiaoru didn't feel sad about the current situation, anyway, the position of the prime minister would not have been done for a long time, which was also a practice since the Tang and Song dynasties, after all, if the prime minister has been doing it for a long time, the emperor's authority will be affected.

Fang Xiaoru said, "The minister understands."

Zhu Yunwen talked to Fang Xiaoru about some other things, and then asked Fang Xiaoru to leave.

After Fang Xiaoru left, Zhu Yunwen suddenly asked, "Mr. Ding, what do you think?"

Ding Xian walked out from behind and said, "Your Majesty, Shousuke's response is certainly good. It's just that Shousuke probably overlooked one thing."

Zhu Yunwen said, "What's the matter?"

Ding Xian said: "Money is just money, and there are many times when you have money, you can't buy anything. The minister felt that he should fill in the gaps for the first assistant."

Zhu Yunwen said, "It's good that Mr. Ding has this heart. only

It's the problem there."

Ding Xian said: "During this period of time, the minister has always wanted to build another iron factory to supply front-line weapons, and the minister has visited many places and finally determined that Xuzhou is a suitable place. It's close to the front line. You can replenish supplies nearby."

"I've been worried about the court's finances. I didn't mention it, but now it seems that with Fang Shoufu in charge, all this is not a problem."

Why is it not a problem, what will be the consequences of the bank's over-issuance of currency, Ding Xianbi knows it to everyone, but he doesn't care. Compared with Fang Xiaoru doing such a thing in the future, he is naturally not qualified to serve as the first assistant.

The position is his.

What's more, Ding Xian also saw Zhu Yunwen's thoughts.

Zhu Yunwen acquiesced.

After all, it's too much trouble to make money in other areas. It's easy to spend money.

In particular, in order to collect commercial taxes, He Xi has made many reforms. The work of Shuntianfu and the work of Nanjing Yingtianfu are simply not the same era.

How big was the resistance inside, so big that Fang Xiaoru thought about it, and decided to drink a donkey to quench his thirst.

Ding Xian is not afraid of this, after all, Ding Xian's foundation is not the same as Fang Xiaoru's, and he actually doesn't mind killing. It's just that all his roots are on Zhu Yunwen, so his opinions have always changed according to Zhu Yunwen's opinions.

Since Zhu Yunwen has changed his mind, he will naturally change his mind as well.

Zhu Yunwen said, "You go down and write a charter, and I will look at it again."

There are advantages and disadvantages to building a steel plant in Xuzhou, there is coal and iron, it is more convenient than the Taiping Iron Plant, and it is very close to the front line, which is a plus and a disadvantage. The benefits are naturally available for convenience. The disadvantage is also the ease of supply.

Zhu Yunwen still needs to think carefully, this is a big thing after all.

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Beijing.

Wenyuan Pavilion.

Yao Guangxiao was in his duty room, looking at all aspects of information. He immediately saw Fang Xiaoru's idea of preparing for the Bank of Nanjing, which had already changed money.

Yao Guangxiao secretly said in his heart: "Fang Xiaoru is still very keen."

He Xi over-issued currency and let the entire Ming Dynasty bear the consequences of inflation, this plan, Yao Guangxiao has always known. It's just that He Xi insisted that in order to obtain the greatest benefits, since the start of the war, during this period of time, He Xi has made a lot of money from above to subsidize military spending. But overall, not much.

Therefore, there is a relatively stable situation of prices.

Fang Xiaoru now felt that something was wrong in this regard, and came up with a way to abolish Beijing's coinage rights. It's also a good way to cope. It's just a pity. Fang Xiaoru thought too wonderfully.

He had no idea that Beijing had a lot of plans on this matter. The person in charge of this plan is Yao Guangxiao.

During this period of time, Yao Guangxiao was silent a lot.

No, it's not silent.

It cannot be said that Yao Guangxiao has no achievements in military affairs, but the problem is that the war today is completely different from before, and the set that Yao Guangxiao is familiar with is outdated. He didn't bother to learn the new tactics, and military and financial affairs were not Yao Guangxiao's strengths.

Yao Guangxiao can only sort out the intelligence of various places every day for He Xi, as He Xi's intelligence secretary, of course, Yao Guangxiao still has a task, that is, to stare at the palace.

This task is important. But it's not that important.

The reason is simple.

He Xi didn't want to turn his face with Zhu Xiongying at this time, and Zhu Xiongying didn't want to fall out with He Xi at this time, and the two sides had a feeling of forbearance for the country.

The two sides have had some minor frictions in some places and have also backed down from each other.

Yao Guangxiao also knew where the overall situation was, and all he could do was stare at it, and he couldn't do anything else, so he naturally fell silent, so that many newcomers to Beijing forgot Yao Guangxiao, He Xi's chief staff.

Yao Guangxiao didn't care about this.

He just waited for his chance, and now it's here.

Yao Guangxiao followed He Xi to open a bank, and he was particularly aware of how much effort He Xi used to run a bank, and how many such and such means he used

。 And Fang Xiaoru's thoughts are just taken for granted. Changing money is not an easy task.

It was time for He Xi to replace the treasure banknotes, and how many things he did to complete the smooth transition. It's just that the good fighters have no outstanding achievements, which makes later generations feel that this thing is very sparse and ordinary. I didn't know that there was a huge risk involved.

And the risk in this is where Yao Guangxiao's opportunity lies.