Orchids are taken from the hands of those who raise flowers, do not give money, give things, PH test strips and comparison tables, various acid-base balanced mineral powders, humus soil, etc.

Coupled with the natural insecticide, bactericidal drugs and instructions for the use of some flowers, there is no new grafting and cutting method in Daming.

People who grow flowers can't afford to offer Xiaqiu Village as their ancestors, and some people are obsessed with raising flowers.

As a result, like the flower catchers, they found that they would be able to do it in Xiaqiu Village, and they would not be able to do it in Xiaqiu Village.

The chief knows this situation, and he knows that what is missing no one will be missing Queen Ma, Sun Guifei, and the crown princess.

He was surprised: "The queen's perfume ran out?" ”

"Ask if you have it, what do you care if our sister is used up or not?" Zhu Yuanzhang spoke up beside him.

"Your Majesty forgives your sins, yes." The lieutenant said that he knew his mistake.

"Zhu Lichang, it is really someone outside the palace who asked, the generals have been gone for more than a year when they return from the war." Queen Ma gave the answer.

"Yes, all of them." Lieutenant Governor understood.

The palace must encircle the generals, the generals are fighting outside, and the family members cannot follow, especially the female dependents, and Queen Ma needs to come forward.

"Go back and take it out, and talk about how to promote the treasure money." Zhu Yuanzhang was in a hurry to issue banknotes, and now merchants are buying and selling big, and it is inconvenient to bring copper coins, gold and silver.

"Your Majesty, the previous dynasty issued treasure banknotes, in order to make the people accept, forcibly promoted the law of tax and silver, including the monopoly of salt, wine and tea.

Taxes are converted into silver, and they are required to pay in treasure money, so everyone has to exchange other things for treasure money.

In addition, the former dynasty also used treasure money to buy money for officials and palace purchases, and when officials took treasure money to buy things, others were naturally willing to collect it in order to obtain treasure money to pay taxes. ”

When the chief talked about the Yuan Dynasty, he knew that Zhu Yuanzhang didn't like to listen to the Yuan Dynasty, so he still had to say it.

"Let's learn?" Zhu Yuanzhang recalled it and found that it made sense.

"Your Majesty, we don't need it, how can the previous dynasty compare with this dynasty? Your Majesty is the founder of the country, and he learns from the previous dynasty in everything, isn't he left behind? ”

"Or Yichang understands us, Yichang you talk about it, what should we do?" Zhu Yuanzhang instantly became in a better mood.

"Let's open a gold and silver shop, just in Nanjing, to provide people with gold, silver and copper money exchange services.

Then let's say that the use of treasure money to pay taxes is a tax, not a tax for land and labor, but a tax only for merchants.

Pay taxes with the treasure banknotes of the Ming Dynasty, seventy-five folds, you need to pay a tax of one hundred wen, and you only need seventy-five wen to hold the treasure banknotes. ”

The governor said the way to use discounts to attract people.

"We're losing twenty-five percent? Too much. Zhu Yuanzhang was distressed.

"When exchanging, it depends on the quality, and the merchant can only earn two or fifty percent of the treasure banknote.

The tax they pay is thirty tax one, one hundred and fifty tax five, and our handling fee of one hundred and fifty here is three, and they earn one-seventy-fifth.

For many businessmen, this is already a lot, seventy-five times of trading, more than consistent money. ”

The lieutenant explained the two-way discount, and in the end, the court lost one-seventy-fifth.

Zhu Yuanzhang began to frown, how to calculate the account.

"That's right! It's this. "Queen Ma has strong arithmetic ability, she is a scholar, and she is responsible for Zhu Yuanzhang's logistics.

Zhu Yuanzhang chose to believe in his sister-in-law, but he was still puzzled: "Why don't you just pay one-seventy-fifth and go around in a circle?" ”

"Give benefits to officials first, otherwise no matter what new policies are introduced, officials will resist.

For merchants, the most convenient channel for them was to go to the gold and silver shops to exchange, and they could not wait for the officials to find the officials after they had taken the money.

When buying things at the officials' homes, they used treasure money, and the sellers promised to give more discounts.

Only small businessmen can exchange with low-grade officials, and the various ministries, they can't afford to lose that person. ”

"What? Think we're Song Shenzong? Let's say what we say! Of course, we don't feel sorry for the benefits of officials. ”

Zhu Yuanzhang glared again, and then put on a generous appearance.

"Your Majesty, there is another preparation, wait for the first two years of the treasure banknote, the tax incentives, and then reinstate, and the exchange of that can finally charge a fee of one percent.

It is more pleasing to make others accustomed to charging when exchanging gold, silver and copper coins for treasure money, and gradually reduce the fees.

When they always deal with gold and silver shops, we will facilitate the implementation of the next measure, the money bank system of financial means.

We also have loans, and many people will not abide by the interest rate given by the imperial court, and the private interest rate is high.

There should be a money circulation service that belongs to officials and operates independently, subject only to official supervision. ”

What the lieutenant said this time is the point, everyone is used to dealing with gold and silver shops, and they can get a regular money bank.

In fact, it is the bank that has to shoulder the responsibility of stabilizing the Daming financial market.

By the way, Li Chang briefly explained to Zhu Yuanzhang and Queen Ma about financial matters, the bank's preliminary deposit, lending, and exchange business.

The two of them listened fascinated, because the chief started from the relevant business in the Tang Dynasty, summarized it until the end of the Yuan Dynasty, and then perfected.

Therefore, when the scale reaches a certain level, the bank can influence inflation and deflation. In particular, our money bank is Daming and is responsible for the issuance of treasury bonds.

The national debt is the national debt, the simplest example is the high debt, the Bangu Hanshu Princes and Kings Table has a record of the Zhou Xun king's affairs: since the secluded, after the peace, the day to Lingyi, to the Heluo in the Xu'e District, divided into two weeks, there is a platform to escape responsibility, and the words of the stolen iron. But the world ......"

"Father and mother are here? Xiongying is crying and wants to play with her grandfather and grandmother. ”

Before the lieutenant chief finished telling him about the national debt, Zhu Biao's voice came.

At the same time, there was also a milky voice: "Grandpa, grandma." ”

"Alas~~! Ay! It's here! Zhu Yuanzhang, who was listening attentively, first sighed, and then responded with a smile.

Zhu Biao appeared with his son in his arms, the little guy struggled to get off the ground, ran to his grandfather with his calves upside down, smiled, and turned his head into the arms of Queen Ma.

Zhu Yuanzhang's arm was still open, and his smile remained: "......"

"Woke up? Look at the moon at night. "Queen Ma can't get enough of holding her eldest grandson.

"Moon...... Bright. The little guy said two words.

"Father, this is ......" Zhu Biao handed over his son and saw the version.

"Those who print the treasure money of the Ming Dynasty will be given by the chief." Zhu Yuanzhang withdrew his hand.

"Your Majesty, this is just a sample, the real Tongbao is not the current pattern, it will be very beautiful, it is very difficult to imitate, ordinary craftsmen can't draw it, and it can't be done well."

The chief shook his head, and the four plates that were put out were not used to print Daming treasure banknotes, and the current ones were too simple, especially the patterns.

"Samples given." Zhu Yuanzhang added another sentence.

"Going to issue banknotes? All right! Copper is used in many industrial equipment. ”

Zhu Biao expressed his support that there is copper in the steam engine, and copper will also be used in other equipment that needs to be corrosion-resistant.

Copper is all in the wires, and copper is more valuable in industrial applications than in monetary applications.

(End of chapter)