Lao Zhu has always attached great importance to this,

The matter of borrowing money from the private sector is definitely not so easy to handle.

even

Sometimes, even if the government's low-interest loans are pushed down, the people still prefer to borrow from the landlords, because the court has no credibility.

Zhu Yuanzhang got a warehouse to repay his kindness and a relief boat,

These two systems are all of the Ming Dynasty's loans.

The warehouses are set up in various places, and the rice, grain, and money are placed specifically for private loans.

Bao Encang out of the warehouse must be registered, after leaving the warehouse must also be transferred on the spot, and Lao Zhu also rotates from time to time to various local officials of Encang,

It's just that it's so strict that I haven't been blind about the loan.

but

Lao Zhu's system of repaying kindness has a congenital deficiency.

It's just that the capacity is too low.

The money and grain that can be lent out is just that, and the people come first and get it, and when it's late, it's gone.

Lao Zhu didn't want to expand the scale of the retribution warehouse, but as soon as it expanded, he couldn't control it immediately, and the officials were greedy even if they were in danger of cutting off their heads.

So

Zhu Yuanzhang would rather get less than give an outlet to corrupt officials.

but

According to the economic volume of the Ming Dynasty in the past, there is no problem in doing this.

But now,

Obviously, the system of repaying grace has become completely outdated.

Daming agriculture occupies three large granaries in Liaodong, Henan, and Jiangnan, and there will be more and more farmers.

In the same way, there will be more and more businessmen in the future,

They need to borrow the capital, and if the government doesn't do it, it will be a big profit.

And

It is definitely not a good thing to let private lending suppress official lending.

Zhu Xiongying wants to set up a government loan and get out of the bank.

"Grandpa, our bank is official.

To borrow from outside, the procedures are all clear and clear.

Sun Er thought that our bank could not belong to the bureaucratic system, and should find another way, so that it had nothing to do with the officials.

And

The grandson figured it out,

Jiangnan will get richer and richer in the future, and the big businessmen will continue to grow, stubble after stubble.

As long as we hold the banks and add VAT, we can control them to death! ”

Zhu Yuanzhang pondered for a moment,

What he was worried about was that the local government did not follow the will of the central government, and it was up and down, which covered Jiangnan with a black curtain.

But according to the eldest grandson, it sounds like he can't find anything wrong.

but

Lao Zhu is definitely stable enough,

"Big grandson, pilot first.

If it's done, push it out. ”

"Alas!"

Zhu Xiongying nodded heavily and said with a smile,

"Got it! Grandfather! ”

It just so happens that Xia Yuanji is in Jiangnan, and he can easily make a bank.

When the time comes, it will be more effective than saying a thousand or ten thousand sentences.

Queen Ma looked at her eldest grandson with a little fight in her eyes,

Said

"Okay, it's not early, hurry up and let the eldest grandson sleep."

The old Zhu raised his head and waved his big hand,

"That, girl, I'll share a bed with my eldest grandson tonight!"

Queen Ma narrowed her eyes,

"Believe it or not, I let you go out to sleep?!"

Lao Zhu's neck hurriedly shrank,

He basically doesn't spend the night with other concubines, and he is not allowed to live in Xianning Palace, so he can't sleep outside?!

Zhu Yuanzhang obediently went to bed, looking at Zhu Xiongying with complicated eyes,

"Big grandson, you can sleep by yourself!"

Queen Ma snorted,

"I sleep with my eldest grandson!"

"This!"

Lao Zhu's eyes widened, he didn't expect this kind of operation at all!

We'll be left with it all at once?!

...........

The next day, the Kyoto University Hall

"Goodbye, sir!"

The tenth Zhu Tan raised his eyes and swept towards Zhu Quan,

Said

"Seventeen, you'll wait."

Zhu Quan sat back in silence.

After the students were scattered, the old ten Zhu Tan walked to Xiao Seventeen's side,

Hippie asked with a smile,

"What's wrong? Autistic? ”

The old tenth mother is Concubine Guo Ning, and the little seventeen's mother is Concubine Yang, and the two often move around, so the two have always been very close.

Zhu Quan lowered his head, but didn't speak.

Zhu Tan sighed and patted Zhu Quan on the shoulder,

I don't know what to say for a while,

Silent for a long time,

Zhu Tan didn't know where to pick out a small red pill,

leaned in front of Zhu Quan's face,

"Seventeenth brother, the tenth brother knows that you feel uncomfortable.

Come on, give this one to eat.

Just eat it. ”

Although Little Seventeen is autistic, he is not crazy,

Brother Ten made some strange things all day long, and no one dared to eat them except himself.

Seeing Zhu Quan's hesitation, the tenth Zhu Tan

Said a little unhappily,

"Seventeenth brother, what do you mean?!

It's natural and pollution-free!

Eating it will make you speak, believe it or not?! ”

Little Seventeen Zhu Quan looked suspicious,

He really didn't believe it,

If he doesn't want to talk himself, he won't speak, and he can make himself talk by taking a pill?!

Catching up with Lao Shi's provocative eyes, Xiao Seventeen took the red pill,

I swallowed it without even thinking about it.

The tenth Zhu Tan looked at the seventeenth brother with excited eyes,

I saw that the face of the seventeenth brother became red at an extremely fast speed, and his facial features were painfully squeezed together.

The old ten Zhu Tan began to whisper to the devil,

"Don't hold back, Seventeenth Brother!

Call it out, just call it out! ”

Little Seventeen finally couldn't help it,

The voice was hoarse,

"What the hell is so spicy?!!

Then he rushed out to find water to drink,

Seeing Zhu Quan rushing out, the tenth Zhu Tan didn't let go of Zhu Quan, and ran out closely.

looks like a prank has succeeded,

Laughing wildly,

"Hahaha! I didn't expect it!

Your tenth brother has made super spicy balls! I've had hemorrhoids since I ate it!

I thought I'd have to give it a try!

You've spoken! Aren't you autistic?! ”

Little Seventeen is going to be angry and crying, Brother Ten is really such a beast,

I was uncomfortable enough, not only did I comfort myself, but I also made a spicy person to tease me.

It feels uncomfortable to be teased, and now Zhu Quan has a deeper understanding that his gang of mischievous spirits used to be hated!

After Xiao Seventeen drank the water, instead of relieving the spicy feeling, he felt more and more spicy.

When Zhu Tan saw this scene, he jumped up and applauded like a child.

Excitedly,

"I forgot to tell you! I added something else!

The more you drink, the spicier it gets! ”

Little Seventeen Zhu Quan was completely angry and cried by Brother Ten,

Wow cried out,

Old Eleven saw that he was making too much trouble, turned around and slipped away.

Zhu Quan stood there, his lips swollen like sausages, wiping his tears and crying heartbreakingly.

The small figure stood there, looking very pitiful.

"What's wrong?"

Fang Xiaoru walked in front of Zhu Quan with his hand, Zhu Quan choked up and looked at Fang Xiaoru,

"First, sir."

Fang Xiaoru shook his head and took Zhu Quan's hand,

Said

"Well, I'll take you to the doctor."