Li Wei pondered for a moment, and persuaded unwillingly: "Your Majesty, business is not like this, you can't just have prestige and no trust, you also know the matter of the treasure money before, it is because of the credit problem of the imperial court, you forcibly seize the assets of the Chamber of Commerce for your own use, I don't care, but others will definitely complain in their hearts." ”

Zhu Yuanzhang glanced at him, what other people, it was obvious that the boy was complaining!

"So what do you say? Do you still let the head of the company directly print? ”

Zhu Yuanzhang said that before he rewarded the generals with direct printing of banknotes, and later Li Wei made it clear to him the dangers of indiscriminate printing of banknotes, and he was unwilling to print them directly.

"Actually, it's not impossible, or else, didn't I mention the matter of bonds before, why don't we take this opportunity to give it a try?" Li Wei proposed.

Zhu Yuanzhang suddenly frowned: "You mean to let us borrow money from you?" ”

"No, it is the Ministry of Household Affairs that publicly issues bonds on behalf of the imperial court, and the Minghuang Chamber of Commerce, the Standing Division or others can buy it, and give a little interest."

"And how much interest are you going to charge?"

Li Wei thought for a while and said: "The annual interest rate is five percent, I can ask the bank to cooperate with the interest rate cut, so that the interest rate of the bond is higher, and people will definitely be more willing to buy the bond. ”

Zhu Yuanzhang sneered after hearing this: "Heh, you don't know how to settle accounts?" You're making money and earning it to us! ”

Although he himself accounts for seventy percent of the Chamber of Commerce, most of this interest is equivalent to what he gives himself, but Li Wei and Shen Jing still account for thirty percent, and they can also get a part of the profits.

Li Wei saw that he looked like he had seen everything, and couldn't help but pouted secretly, if you really knew how to settle accounts, you wouldn't say such a thing!

"Your Majesty, it's not what you think, you should also know that the new treasure banknote is worth a lot now, but with the speed of printing money on the side of the company, the treasure money will return to the normal price sooner or later, at this time, the bond will be issued to get the treasure banknote, and then the paper money will be repaid after the depreciation of the banknote, then the profit will not be five percent, but two or three times the money!"

Li Wei patiently explained, and then told him about his secret acquisition of Yinliang.

Nowadays, the treasure banknote has always been able to exchange for three or four taels of silver, buy silver at this time, and wait for the future to keep up with the speed of money printing, and the treasure banknote will return to the official price of one or two silver, then make a lot of money!

After hearing this, Zhu Yuanzhang was shocked: "Can you still do this?" ”

Li Wei nodded lightly, but then also emphasized: "Of course, you can't do this often, you still have to focus on maintaining the stability of the treasure banknote!" ”

Zhu Yuanzhang figured out this, and his face became solemn, this is even more efficient than his direct robbery, he has to put someone on a trial for a crime when he raids his house, and Li Wei does this, but if his brain is slow, he can't understand why he doesn't have his money!

"How many taels of silver have you received so far?" Zhu Yuanzhang asked.

Li Wei made a rough calculation and said, "It's about more than two million taels." ”

"Shhh

Zhu Yuanzhang gasped, Daming's taxes for the whole year, excluding Tian Fu, the others add up to about this amount, Li Wei is equivalent to earning the sum of Daming's business taxes plus salt, tea, etc. for a whole year!

"Won't it be a problem to do this?" Zhu Yuanzhang asked solemnly.

Li Wei smiled slightly, and said: "Your Majesty, rest assured, most of the people who can deposit silver are rich and noble families, even if they understand it, it won't be anything, just like Your Majesty robbed half of the Shen family's property, the Shen family not only did not complain, but also thanked them a thousand times!" ”

Zhu Yuanzhang stared at him and thought about it, it seems that this is indeed the case, if you rob the poor of their last mouthful of food, then he will definitely fight with you, but if you rob half of the rich family's property, although they will also be resentful, they will definitely not dare to mess around easily.

Thinking of this, Zhu Yuanzhang nodded slightly, but then reacted again, and scolded angrily: "Nonsense! The Shen family volunteered to give it to us, and we also gave them an official title, how can it be a robbery? ”

Li Wei was stunned, his face twitched, and he was silent for a long time before he arched his conscience and said, "What Your Majesty said is extremely true!" ”

Zhu Yuanzhang snorted dissatisfiedly, and then asked, "What should we do with these silver taels?" Can you use it for direct spending? ”

He is really short of money now, he can't print money directly, and he can't fight.

In the future, gold and silver and other things should be made as anchors for treasure banknotes, and if the banknotes are expensive and cheap, they will be issued and cashiered, and on the contrary, they will receive money with gold and silver, and by means of adjusting interest rates, the stability of treasure banknotes can be maintained! These taels of silver can be sold at the right time to exchange for treasure money. ”

Li Wei slowly explained his intentions.

Zhu Yuanzhang listened to these carefully, nodded, and then cautiously instructed:

"In the future, the affairs of the director must be reported to us clearly, and we must allow us to do it again!"

"Yes, I obey!"

Li Wei was not surprised by this, he knew that Zhu Yuanzhang was a person with a strong sense of centralization, and he grasped all affairs, but these things were not easy to understand, and he had to be the traverser who made the decision in the end.

Mu Ying listened to it for a long time, feeling as if she had heard something terrible, but she didn't understand.

Zhu Yuanzhang glanced at him, and instructed with a straight face: "Don't talk about today's matter!" ”

"Yes, Your Majesty rest assured!" Mu Ying hurriedly replied, in fact, he couldn't understand what he wanted to say.

After Li Wei repeatedly promised that he would never suffer a loss in issuing bonds, Zhu Yuanzhang finally agreed to this matter and asked Ru Taisu to cooperate with him.

Li Wei breathed a sigh of relief, and after saying it for a long time, it was finally not in vain.

After leaving the palace, he immediately arranged for the bank to open the gold and silver trading counters, so that the wealthy families who had silver in their homes had a place to exchange treasure money on a large scale, and no longer had to go around privately to buy treasure money.

However, the price of the gold and silver counter he set up is also floating, gold and silver are equivalent to a kind of goods, and the price of gold and silver will gradually return to normal as the head of the company prints a large amount of money.

In addition, after agreeing with Ru Taisu, he also listed the first bond of Daming by the Ministry of Households, with a maturity of one year and an interest rate of 5%, and at the same time as issuing the bonds, the bank lowered the interest rate to 3%.

Now most of the depositors in the bank have eaten the sweetness of interest, but most of them still only save for one month, at this time to see the bank cut the interest rate, suddenly beat their chests, only hate not to save directly for a year like others, missed the opportunity to deposit with an annual interest rate of 5%.

Just when these people were remorseful, some well-wishers introduced them to bonds.

In fact, the bonds that Li Wei is getting now are no different from deposits, they are all fixed-interest rate and non-tradable, and they are not as complicated as those of later generations.

Now the main task of the bank is to take the deposits, plus the money printed by the head of the bank himself, to buy the gold and silver of the rich.

In this process, the deposit gets interest, the bank and the manager get the gold and silver, and the value of the treasure money is stabilized, and the only people who lose money are the rich, and when the price of gold and silver returns to normal, they will find that they have lost nearly half of their family property!

Even if they are smart enough to see through everything, they have to sell, because there are still taxes behind them to urge them to pay treasure money, and the convenience of paper money is also one of the reasons why they are willing to accept it, otherwise they will not continue to buy treasure money in private.

(End of chapter)