Although Lao Zhu said that it was only one of the situations, Lao Zhu completely understood the concept of national reputation.

And

can give examples of Zhu Xiongying's abstract concepts, this is really understood.

Lao Zhu is just bad here,

No one told him this, and even if he thought about it, he couldn't think of it.

As long as someone understands a little bit and doesn't understand everything, Lao Zhu can also understand five or six points.

Lao Zhu's eyes became brighter and brighter the more he spoke,

The old man has lived a whole life, he has studied all his life, and he always has a thirst for new knowledge.

"The credibility of our country is understood.

You are talking about the silver standard, can you think the same way?

My sister has money at home, so even if my sister exchanges rice with a few branches, we also know it.

Because we know that this branch is a medium, and this thing represents the silver in the girl's house! ”

With a snap,

Lao Zhu slapped his thigh,

"Isn't this the branch of the banknote?!

The girl owes us so much rice money, and this number is constant.

Therefore, whether you give us a branch or a branch represents this number.

On the contrary, the more branches, the more shares of this money will be divided!

Fuck it!

No wonder, our banknotes are getting less and less valuable!

It turns out that the difference is here! ”

Zhu Yuanzhang knew everything and completely figured out the matter of paper money.

Lao Zhu looked at his eldest grandson with bright eyes,

Asked excitedly,

"Grandson, are we right?"

Zhu Xiongying gave a thumbs up,

"Grandpa, it's time for you to write the book Capital."

Although I don't know what the eldest grandson meant, Lao Zhu understood,

The eldest grandson has been impressed by our ingenuity!

Lao Zhu snorted proudly, if there was a tail, now the tail has been turned into a propeller.

That's what this thing is.

If you let Chang Sen praise Zhu Yuanzhang, you are so smart, Your Majesty.

Zhu Yuanzhang was not only unhappy, but also felt that Chang Sen was scolding himself.

And the eldest grandson's praise is different, Lao Zhu must be proud!

Queen Ma said,

"Xiongying, you opened the Sun Moon Island Silver Mine for this?"

Zhu Xiongying nodded.

Queen Ma asked,

"Now there's enough gold and enough silver, so you can't mix this thing together."

As soon as Queen Ma's question came out,

knew that not only Lao Zhu understood, but also Queen Ma.

However, Queen Ma is not as showy as Lao Zhu.

Zhu Xiongying replied,

"Grandma, it's not impossible.

We just need to control the quantity, we can't let so much gold and silver pour into the market at once, we have to squeeze it in little by little.

However, with so much gold and silver, the grandson did have an idea. ”

"What do you think, you say!"

After Lao Zhu finished speaking, he felt that it was wrong,

Now we don't have a jade seal or tiger talisman in our hands, so what does it mean to pretend to be the principal here?

Lao Zhu hurriedly reorganized the language,

The mouth owes,

"Your Majesty, if you have any ideas, just say it, Weichen Zhu Chongba will give you a staff officer!"

Lao Zhu made this play, which amused Queen Ma.

Queen Ma also came,

"Yes, Your Majesty, the Ma clan will also give you a counselor."

Zhu Xiongying was embarrassed enough,

Urgent,

"Grandpa! Grandmother! Don't do that! ”

Seeing that the eldest grandson was so amused by himself that his face was flushed, Lao Zhu and Queen Ma glanced at each other and laughed.

can not take the throne seriously like this, except for Zhu Yuanzhang, there is no second home.

"Grandpa, grandson is thinking, can you get a bank."

"Is it money?"

Zhu Xiongying shook his head,

"It's not a money bank, it's more advanced than a money bank."

The money store is basically run by large households, not officially built.

After all, the representative one is the Song Dynasty people who make money,

Because it is difficult to transfer a large amount of silver money back and forth, merchants can transport money to their own local money stores, which are generally backed by a wealthy merchant or an official.

After that, the money bank will give you a voucher, and then take the voucher to the designated place to exchange it.

though

This money bank is unofficial, but it does allow merchants to save time and effort.

It is no wonder that the people of the Song Dynasty made money, and they made the details to the extreme.

"Tell me."

"Our Daming Bank is mainly two businesses,

One is to save and the other is to borrow.

The savings business should not be used at first, and it should still be mainly borrowed from the private sector. ”

The premise of saving this thing is that the people have money, and now the people have only eaten for a few years, where can they get the extra money to save?

And

In ancient times, the common people could not save money, and even if they did, they kept it at home, and it was impossible to store it in the bank.

So, it takes some effort to change this perception.

However, as long as the saving thing is done,

That is the weapon of the imperial court to regulate the country's government affairs,

When the country needs money, it raises the interest rate a little higher, and everyone comes to save money, and the country also has money.

And if you want to stimulate the market, you will lower the interest rate a little, and the people will take out the money when they see that the bank has no money.

With banking policy, coupled with tax policy,

These two hands, used to regulate the economy of the Ming Dynasty, are enough.

Zhu Yuanzhang's brows furrowed,

Deep voice,

"Big grandson, it's not easy to step on this pit for borrowing.

That Wang Anshi didn't understand, Yuan Ren didn't understand, and we didn't understand.

If the rectification is not good, it will shake the social system. ”

Lao Zhu is not exaggerating at all,

One of the most important of Wang Anshi's changes is the green seedling method.

The government borrowed money from the government and lent money to farmers and merchants who had no money, and the farmers could repay the money after the autumn harvest, while the merchants had to repay the money within a month or two months.

Looking at it this way, the Seedlings Law is indeed a policy for the benefit of the people, and there seems to be no problem.

The peasants have no money to buy seeds, so it is better to borrow money from the government than to borrow money from the landlord.

Moreover, the interest rate set by the Seedlings Law is much lower than that of private lending.

Why is it that the Qingmiao Law is such a policy that benefits the country and the people, and in the end the peasants and landlords also scold, and there is no one who does not scold.

Wang Anshi had no problem in this matter, but Wang Anshi didn't expect it at first,

Decision-makers and executors don't wear pants at all.

Wang Anshi thought that the central policy was certain, and the local government would naturally implement it.

Wang Anshi was also afraid that the peasants would not dare to come to borrow money, so he deliberately set a target for the localities, and how much money each locality had to lend to complete the task.

The starting point is good, but when you push it down, it all tastes bad.

The local officials forced the peasants to take out loans, and if you are not short of money, you can get a loan, and if you lack money, you can get a loan, and they also raise interest rates privately, and they have collected money from top to bottom, which has made the people angry and resentful.

The big guy can't distinguish the decision-makers and executors in the court, so he can only scold Wang Anshi, after all, he proposed the Qingmiao Law.

After going back and forth, Wang Anshi carried all these pots, and his reputation stinked to the home, so this change naturally couldn't be pushed down.

That's what Lao Zhu is worried about,

What kind of thing is very good in the central government, and it will change its flavor as soon as it is pushed to the locality, especially such a highly profitable policy.

If you don't get it right, it's a good thing and a bad thing!

(The number of gifts exceeded seven hundred,

Plus seven more.

Additions: 4 Understatements: 19

Plus rules: Five-star evaluation breaks 200 plus 1 change, and the number of gifts breaks 100 plus 1 change. ）