After Li Shimin left, Chu Zhen sat back at the computer.

Li Qingzhao wanted to bring the three Hu Weiyong articles to him, but Chu Zhen waved at her and said that he didn't need to.

"Hu Weiyong's recital, what do you think?"

Zhu Yuanzhang leaned comfortably on the back of the soft sofa, like the chairman of a listed company sitting in his own office, with the appearance of holding power, and asked Chu Zhen to comment on his "subordinates".

Chu Zhen smiled and looked at Li Qingzhao and Lin Daiyu, "What do you think?" ”

Zhu Yuanzhang looked at them through the curtain, and couldn't help muttering in his heart, whether he was currying favor with the two little girls, or whether he didn't mind "harem politics" at all, and even asked the woman's opinion on such state affairs.

"Don't worry, say it boldly!"

Chu Zhen encouraged them, "It's not a court to ask about politics, it's just a casual chat." ”

Lin Daiyu may not have read too many books because she was young, but Li Qingzhao has already read various history books and has her own opinions on the major affairs of the court.

The two looked at each other.

Lin Daiyu said first: "Uncle Chu is too high-spirited, where do I have the talent to judge the prime minister's article?" It's just that when he wrote this article, he was sincerely afraid, not only carefully proposing a plan to change the law, but also afraid of offending people, and there were many compliments on Emperor Hongwu. ”

"Haha, the little girl is so smart, I can see that Hu Weiyong is afraid of me."

Zhu Yuanzhang laughed, how could he have a problem with a little girl?

Lin Daiyu pursed her lips and smiled, and let Sister Qingzhao say.

"Hmm... Belch. ”

Li Qingzhao hesitated for a while, and then said embarrassedly: "After reading it, I feel that it seems that it is better than the Conscription Law and the Fang Tian Tax Law." ”

Zhu Yuanzhang sat up straight all of a sudden, "What the little lady is talking about is Wang Anshi's change of the Song Dynasty to strip the people for profit?!" ”

"It's too much to strip the people for profit!"

Li Qingzhao refuted his words and explained the original intention of the Banshan Gong Reform Law and the reasons for its failure.

Chu Zhen was not surprised at all, starting from the Southern Song Dynasty, or since Wang Anshi was forced to resign, all dynasties and dynasties had a negative evaluation of him, believing that the fall of the Northern Song Dynasty had a lot to do with the Xining Reform.

"Heaven and earth generate wealth to support the people, and those who are emperors must take supporting the people as their top priority, collect taxes lightly, and do not harm people...... Song Shenzong used Wang Anshi to manage money, and the villain competed, causing riots in the world! ”

Zhu Yuanzhang argued with Li Qingzhao and expressed his views on Song Shenzong and Wang Anshi.

Financial management is not a modern term, Wang Anshi is doing financial management.

Chu Zhen looked at Li Qingzhao, and this talented woman immediately refuted Emperor Hongwu:

"Private lending since ancient times, the people to farm more to see the will of God, the harvest year is cheap, the famine year on the contrary, the people can not save money, so that every famine year to borrow from the big rich to borrow high interest on the money and grain, once the famine year after year, the people can not afford to pay back, they can only flee the famine, the Banshan Gongqing Miao Law is to curb the big households to exploit the people!"

"If the Seedlings Law is good, why has it been abolished?"

"This is because the officials below forcibly apportioned ......"

Li Qingzhao didn't just talk about it, she also took out the article she had written, and said:

"This is the last time Chu Langjun asked about the conscription law, I went back to ask my father, and consulted some people, and then wrote the Xining Law Rules...... Chu Langjun, please look! ”

She stood up, walked over and put the "Xining Change of Law and Discipline" in front of Chu Zhen, with an expression that I want to be fair and honest in the middle of the mountain.

Chu Zhen couldn't help laughing.

The Li family is neither a new party nor an old party, but it has a lot to do with the old and new parties, and Li Qingzhao cares about the current affairs of the government, so it is not surprising that she can write this article.

"I'm not going to look at it yet."

Chu Zhen handed over what Li Qing had written to Zhu Yuanzhang.

“……”

Holding this change of law strategy, Zhu Yuanzhang had a strange face.

Who is this Yi'an Jushi of the Song Dynasty?

It's possible to write such an article.

He took a cursory look at it, and the record of the reform in it was very detailed, and the officials who were in favor and against it were all written in, and after reading this article, he could have a deeper understanding of the reform in the Song Dynasty.

"Let me tell you what I think."

Chu Zhen finally spoke, "According to the course of history, after the commodity economy reached a certain degree of prosperity, the Qingmiao Law was born in accordance with the development of history, and in its current name, it should be called the Central Bank of the State. ”

Zhu Yuanzhang looked at him.

"Central banks? The name is easy to understand. Li Qingzhao said with a smile.

Chu Zhen said again: "The central bank has several important responsibilities, first, to issue currency, that is, similar to the Jiaozi of the Song Dynasty and the treasure banknotes of the Ming Dynasty. ”

Speaking of this, Chu Zhen couldn't help but say to Zhu Yuanzhang: "Stop your treasure banknotes quickly, if you print them again, they will become waste paper!" ”

Zhu Yuanzhang was about to speak, but Chu Zhen said helplessly:

"Of course, the Jiaozi of the Song Dynasty will soon become waste paper."

Li Qingzhao covered his face.

She has heard that many people don't need to pay children now, the value is too cheap, and the people don't want to accept it.

"Why did the treasure money that I personally ordered to circulate turn into waste paper?!"

Zhu Yuanzhang finally said it, looking very excited.

In order to promote treasure money, he exchanged all the silver issued to officials for treasure money, making it popular among the people, replacing copper coins and silver coins, which were difficult to mint, and strictly prohibiting the use of gold and silver in private transactions.

"If the decree is useful, there will be no corrupt officials."

Chu Zhen's simple words made Zhu Yuanzhang choke suddenly.

"The second role of the central bank is to issue treasury bonds for the people to buy.

Third, loans and savings, the former is the Seedlings Law, which allows people to borrow money; The latter is the money bank, which allows the people to save money in, withdraw money out, and give them interest. ”

"Save money and still have interest?!"

Zhu Yuanzhang was full of surprise, hearing about it for the first time.

He hasn't asked what a national debt is, and this thing doesn't sound like a good thing, using the Ming Dynasty to carry debts? Isn't it that he carried Emperor Zhu Yuanzhang to borrow money from the people? !

"This is to collect the spare money of the people and release it in the form of loans to earn the difference."

In the understatement, Chu Zhen said the reason why the bank can make money hard.

Li Qingzhao's eyes lit up.

Lin Daiyu looked at Uncle Chu, she seemed to have heard of this kind of method, big families put usury and make profits, which is more profitable than collecting rent from the fields.

"Isn't this another matter of stripping people for profit? I have made a will to give a light tax, how can I do this again?! ”

It is impossible for Zhu Yuanzhang to agree to the appearance of a central bank in the Ming Dynasty.

"Being light is not necessarily good."

Chu Zhen's words made Zhu Yuanzhang look at him suspiciously, wondering if this kid was a corrupt official, if he was an official, he would definitely be ruthless in oppressing the people.

Is it not good to be lightly paid?

It is written in any history book that all virtuous kings are sympathetic to the people and implement the policy of light punishment and meager endowment, so that there will be a prosperous era and the people can eat.

He really couldn't figure out how it was not good to be lightly punished.

"Reasonable, effective, fast, in my opinion, is a good tax policy!"

Chu Zhen explained: "The premise of light taxation is that the country can operate, and the holy decree is to write light taxation, but the people of the county government want to eat, the regular tax must be paid, and the miscellaneous tax is theirs, so they will collect miscellaneous taxes for various reasons."

Who's it? The big families and county officials can't afford to provoke them, so they naturally accept poor households, and isn't this aggravating the gap between the rich and the poor? ”

Zhu Yuanzhang fell silent for a while.

"I don't dare to say that the light tax is the reason why the late Ming Dynasty could not collect taxes, but the rich households in a similar way, it is reasonable to avoid the apportionment of the tax increase, let the poor households bear it, this is an important reason for the displacement of people!"

After a while, Chu Zhen said again: "Give an official one acre of land exempt from conscription, and they will have a way to let a thousand acres of land escape all kinds of miscellaneous taxes, and only pay a small amount of positive taxes, or simply hide the land and pay no taxes, the tax collector knows that this is the land in the name of a certain cabinet minister in the DPRK and a certain Shangshu Shilang, but there is no evidence, who dares to carefully investigate and collect taxes?"

The prince of the Ming Dynasty occupied a lot of land, and the official gentry also occupied a lot of land, and a cabinet chief assistant could occupy an area of 200,000 mu.

By the middle of the Ming Dynasty, the field measured by the imperial court was only half of what you did in the Hongwu Dynasty, only 400 million mu. ”

“……”

"These corrupt officials!!"

Zhu Yuanzhang was furious when he heard this.

The Ming Dynasty was only halfway through, and half of the fields taxed to the imperial court were reduced.

"Spread the land into the acre, and the official gentry pay for the grain, it must be implemented!! Whoever opposes, I will kill him! ”

After listening to Chu Zhen's explanation, Zhu Yuanzhang was ruthless, he must curb the momentum of corrupt officials and corrupt officials annexing land, no matter who owns the field, he must pay taxes to the imperial court!