Chu Zhen stayed in the Grand View Garden for two days and returned home.

Not long after I sat down, I received a message from the Ming Dynasty again, and I only needed to open the time and space history records to travel through the past.

But Chu Zhen was in no hurry to go.

I went out first, drove to the supermarket outside to buy some daily necessities, then bought a few hundred catties of fruit from two fruit stores, and then went to the rented warehouse to move things into the car.

When I got home, Lao Zhu was already sitting and waiting on the first floor, and when I saw him driving back, he smiled and said, "Let's see that the car in front of you is gone, and we know that you went out to buy something." ”

"Exactly." Chu Zhen smiled: "You opened the door for me, and I will reverse and go in!" ”

Zhu Yuanzhang opened the door and watched the iron car reverse in.

Chu Zhen jumped out of the car and opened the car door.

Zhu Yuanzhang stretched out his head and looked in again, and saw the steering wheel, chairs, and a large pile of goods placed in the back of the car.

"The future generations will rely on this cart to transport things?"

"Yes!"

"The oil you said?"

"You can also use electricity, you can get a drag racing car in Yingtianfu, but it's impossible to form a team to transport things."

Zhu Yuanzhang raced to Tianfu, this scene is picturesque when you think about it.

But Chu Zhen told the truth, in terms of ancient road conditions, it had to be an off-road vehicle to move, and it was needless to say that off-road vehicles eat more fuel, right?

"Tsk."

Lao Zhu expressed regret, helped transport the goods together, and asked him: "How much did these cost?" ”

"It adds up to less than 50,000 pieces, mainly these hundreds of bows and arrows."

Chu Zhen thought of something, and said: "Last time I went to see your musket factory, I thought I could buy some seamless steel pipes for Ling Daming to go back, it was very cheap in our place." ”

Zhu Yuanzhang's eyes lit up.

Chu Zhen smiled again: "Of course, don't want me to carve rifling on the inner wall of the steel pipe again, if you break the law, it is equivalent to your homemade armor." ”

"Now Daming's musket has no rifling, it's enough! Your steel pipes are strong enough, right? ”

"I can't blow it up."

"Nacheng, you buy 100,000 sticks back, if you are short of money, you go to the inner carrier warehouse and Guangying warehouse to find it, and see what is valuable."

"It's enough to have jade, and Huanghuali furniture or logs are fine."

Chu Zhen said: "These weapons, materials and whatever, I only bought enough for the Ming soldiers to finish the Wa Kingdom, Liaodong, and the remnants of the Yuan Dynasty." ”

"That's enough."

Zhu Yuanzhang said with a smile: "After fighting Liaodong, clean up the Tatars, and roughly include the place on the map into the territory of the Ming Dynasty, I should also be the emperor and let Biao'er take the throne." ”

Chu Zhen smiled.

Zhu Yuanzhang said again: "It's a pity that the Ming Dynasty is really short of money now, the treasure money has stopped, the tax has not changed, and the city has some money, but it is only enough for the fourth child to go to sea to patrol the last time." ”

After a pause, he said: "We plan to use what you said last time, Daming issued treasury bonds!" ”

Chu Zhen laughed, the Fengtian Emperor was finally willing to borrow money from the people?

Zhu Yuanzhang immediately added: "I asked the household department to build the Daming Bank, and let the bank issue these treasury bonds you mentioned." Is it feasible? ”

“…… slipped around, or in the name of Daming, he went to issue treasury bonds and borrow money. ”

Chu Zhen said with a smile.

"Turn around, and my face will be gone."

Zhu Yuanzhang moved things out of the car.

Chu Zhen said with a smile: "When a modern country is short of money, it will issue treasury bonds, sell mines, sell land use rights, issue additional currency, increase taxes, etc.

The issuance of additional currency is similar to the printing of treasure banknotes in the Ming Dynasty. ”

After Zhu Yuanzhang heard this, he also laughed.

Chu Zhen said again: "I read the history books and found that it was also common to sell officials in the ancient imperial court. ”

"It's not going to work! Sell your official position when you want to lose your country! ”

Zhu Yuanzhang denied it and resolutely refused to sell his official position.

Chu Zhen said: "The Qin Dynasty sells titles, not real power and official positions, and if the Ming Dynasty does not sell officials, it will give some special treatment to merchants who buy treasury bonds, such as allowing them to wear silk and satin, four-horse carts, buy millions of treasury bonds, reward them with a flying fish suit, and allow them to play and fold, etc. ”

"Merchants are allowed to wear silk satin?"

Zhu Yuanzhang hesitated.

Chu Zhen said again: "You set the law to stipulate what everyone does and what to wear, and you want to manage the people of the world once and for all, but this is impossible, within a few decades, it is not uncommon for rich people to wear bright yellow clothes, and some people embroider patterns similar to pythons." It is already remarkable that a government decree can last for 20 years, and it is impossible to achieve long-term peace and stability. ”

Zhu Yuanzhang pondered for a while, and said slowly: "You want to say that my Zhu family can't have the world forever, right?" ”

"It's inevitable."

Chu Zhen said categorically.

After the things were moved, Zhu Yuanzhang stood there and didn't know what he was thinking.

According to Chu Zhen's understanding of Emperor Hongwu, he has the character of an old peasant with a wife and children in his treatment of the family, but now he has come to the next generation and seen things completely different from ancient times.

also knew that the Ming Dynasty he created had long been overthrown.

Hereafter...... Don't mention it.

"Is there anything else you'd like to take with you?"

Chu Zhen asked Emperor Hongwu.

"That's all, let's go."

The two came to the Ming Dynasty together.

For Chu Zhen, it is coming, and for Zhu Yuanzhang, it is returning.

Inside the canopy hall.

On the sofa, Zhu Yuanzhang and Chu Zhen sat and drank tea, there were more than a dozen eunuchs around, there was a group of brocade guards outside, the table was Huanghuali, and the tea was the best tea, tribute.

After returning to the palace, Zhu Yuanzhang seemed to have regained his true colors as an emperor, and sitting there and pondering was enough to make the surrounding eunuchs nervous and dare not breathe.

"A bank needs to be built!"

Zhu Yuanzhang said in a deep voice: "The national debt will also be issued, and I will let people set some regulations, and those who buy a certain amount of national debt will be allowed special privileges in clothing and etiquette." ”

Chu Zhen said: "I'm afraid it's not enough, it's better to use national bonds plus a certain amount of money to allow commercial banks to open local banks in a certain place, as a supplement to the central bank, to stipulate lending interest rates, and not to allow private usury."

The central bank manages local banks, collects taxes, business scope, supervision, etc. ”

In ancient times, the imperial power was difficult to go to the countryside, and if the common people did not want to borrow usury and take loans in banks, they had to need the support of local merchants and large landowners.

Not all the landlords, but the imperial court co-opted a part of it, so that other landlords deposited the money in the bank and then lent it to the people below the county level.

In the end, it was up to the landlords in the county to lend and collect loans.

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It's just that the central bank regulates and supervises.

"It's similar to Wang Anshi's seedling method in the Song Dynasty."

Chu Zhen said with a smile: "What is the result of the Qingmiao Law, there are already in the Song History, whether the bank can be successful, it still depends on the level of the Ming Dynasty." ”

As long as it is not forcibly apportioned like the Qingmiao Law, Chu Zhen is not worried about chaos.

No matter how chaotic it is, can Zhu Yuanzhang print and distribute 90 million yuan a year, so that the Daming treasure banknote will become a waste paper mess?

Ancient times are not modern, as long as taxes are not moved, and the grain in the hands of the common people is not moved, other things are not a matter before the imperial power.

What if the bank has no margin, who dares to run?

Song Ningzong even forced the depreciation of old banknotes.

Ancient paper money, can not be printed and distributed in a large way, allowing the people to exchange paper money for a small amount of silver, it is already a success.

Without a deposit, the people are allowed to pay taxes with treasure money, which can still support the credit of paper money.

"Don't over-issue banknotes in order to solve the problem of money, unless Daming is going to be finished!"

Chu Zhen emphasized again.

The eunuchs around secretly glanced over, and only Chu Zhenjun dared to say these words in front of His Majesty, "Da Ming is going to be finished".

Zhu Yuanzhang said: "I am about to summon the household department and some businessmen to talk about the bank, you will tell them later, how to implement the bank and the treasury bonds!" ”

"Okay."

Chu Zhen agreed, and said with a smile: "But I'll just talk about the responsibilities of the bank in the future, don't ask me about the specific policies." ”

Zhu Yuanzhang nodded and ordered to summon the household officials and a group of businessmen.

In addition, let the crown prince Zhu Biao also come over.

Chu Zhen originally wanted to come and go to Guozijian to take classes, but he didn't expect to teach the ancient merchants a lesson first.

After Zhu Biao came to the Huagai Palace, other ministers and merchants also came quickly.

Zhu Yuanzhang invited Chu Zhen to come this time, just for the bank and national bonds, to solve the matter of money, and to build ships and fight Yunnan to do it.

"See Your Majesty!"

Everyone saluted, there were too many people, and the brocade guards entered the Huagai Hall to maintain order and protect Your Majesty.

"Those who are more than half a hundred years old, give a seat!"

Zhu Yuanzhang ordered to go down, and soon a eunuch brought chairs for people over fifty years old to sit down.

As for the others, they can only stand and listen.

Chu Zhen didn't know how many ministers came, and the officials who stood in front of the station that he saw at the last court meeting also came, Hu Weiyong, Li Shanchang, Liubu Shangshu, etc.

There are also many businessmen, and it is estimated that the wealthy businessmen in the Yingtianfu area were all called by Zhu Yuanzhang.

However, Chu Zhen is now more and more accustomed to big scenes - Zhu Yuanzhang and Zhu Biao are listening, and the others are even less important.

"My name is Chu Zhen."

Under the gaze of the ministers and the big businessmen, Chu Zhen routinely reported his name, "Your Majesty's personal title of the true monarch of the protector of the country, you can call me Chu Zhenjun, call me Chu Zhenren, or even call me by my name." ”

The main purpose of this sentence is to ease the atmosphere, lest these businessmen tense their nerves and not listen to them.

Chu Zhen began to talk about the evolution of currency, from the shell currency of the pre-Qin period, to the bronze coinage, and then to the Jiaozi of the Song Dynasty.

"Jiaozi, like Daming Bao banknotes, is just a piece of paper, why do people use it as a general equivalent?"

"Because of credit!"

"The earliest Jiaozi were able to exchange valuable things from merchants, but the merchants were selfish, and after Jiaozi was recognized by other shops, they printed more Jiaozi and defrauded other shops of money......

In view of this chaos, the Song Dynasty nationalized Jiaozi, but slowly began to issue it indiscriminately, causing inflation and paper money being reduced to waste paper. ”

"The Yuan Dynasty also had the phenomenon of indiscriminate issuance of paper money, so I will not repeat it."

"In my Ming Dynasty, because of the lack of money in the imperial court, the household department also printed and distributed a lot of treasure money, resulting in the fact that the current folk treasure banknotes are equivalent to consistent silver money."

Below.

Fan Min's face was not good-looking, but it was not him who ordered the printing and distribution of treasure money, but someone else.

Several of the tobe servants glanced at each other.

Hu Weiyong, the secretary of the ministry, glanced at His Majesty from the corner of his eye, and immediately looked away, not daring to look directly.

Chu Zhenjun said these words, the Ming Dynasty is not no one to see, but no one dares to say it.

However, Chu Zhenjun put forward some novel words, inflation, deflation, etc., which are worth pondering.

"Credit is the foundation of paper money!"

Chu Zhen concluded, "Without credit, paper money is waste paper, and banks should not print paper money on a large scale at any time, money will not be born out of thin air, and the result of inflation is that prices will soar and paper money will collapse." ”

He probably understands these businessmen.

But when it is said by "Chu Zhenjun", it has a different effect.

This is tantamount to announcing to all businessmen in the Ming Dynasty that the Ming Treasure Banknote will maintain a stable exchange rate in the future and endorse banks and treasury bonds.

The name of "Chu Zhenjun" can be used once.

If Zhu Yuanzhang turns his head and prints treasure money on a large scale, Chu Zhen's brushing auspicious rui every day will not work, and his credit will collapse.

"Your Majesty's upcoming Daming Central Bank will supervise the printing and distribution of treasure banknotes in the future, and local banks will summarize and count various data to decide how much treasure money to print next year as a supplement, or print more to stimulate people to spend money. I call it the consumer economy......"

Chu Zhen enumerated the benefits of banks and spoke of the future functions of central banks.

Many of the merchants below were moved.

According to Chu Zhenjun, there will not be too many local banks, and there will only be about two or three political envoys in one department, and the local banks will be in charge of lending and collecting loans in various counties and townships.

"In summary, central banks have two main roles:

The first is to formulate financial policies and issue treasury bonds.

The second is to guide the orderly progress of lending, so that the people will not suffer from usury, and let the private business be active. ”

"There is the Song Dynasty Qingmiao Law in front."

Chu Zhen said with a smile: "I believe that the policy set by Your Majesty and the imperial court, under the jurisdiction of the central bank, there will be no more local banks forcing people to lend." ”

In the final analysis, it is still the rule of officials, and all the details have to be implemented by the locality.

Zhu Yuanzhang finally ordered: "Prince, you will be the first governor of the central bank!" ”

"Me?"

Not only Zhu Biao, but everyone in the Huagai Hall was shocked.

The crown prince was wronged when he was appointed as the head of the household department, but now he wants to be the governor of the central bank.

Even if it is a vacant position, it is also excessive.

This shows the importance that Shengshang attaches to the bank.

Chu Zhen laughed, with the endorsement of the prince, someone should buy the treasury bonds.

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