Although what Lao Zhu said was only one of the situations, Lao Zhu completely understood the concept of national credibility.
and,
Only when you can give examples of Zhu Xiongying's abstract concepts can you really understand.
This is where Lao Zhu is missing.
No one told him this, and even if he wanted to, he couldn't figure it out.
As long as someone understands a little bit and understands everything, Lao Zhu can understand half a dozen points.
Lao Zhu’s eyes became brighter and brighter as he spoke,
The old man has lived and studied all his life. He always has a desire for new knowledge.
“Our country’s credibility is clear.
Can you think the same thing about the silver standard you mentioned?
The girl’s family has money, so even if the girl trades a few branches with us for rice, we are still aware of it.
Because we know that this branch is a medium, and this thing represents the money in the girl’s family! "
There was a snap,
Lao Zhu slapped his thigh,
“Aren’t banknotes just like this tree branch?!
This girl only owes us so much rice money, and this amount remains unchanged.
Therefore, whether you give us a branch or a handful of branches, it all represents this number.
On the contrary, the more branches there are, the more shares the money is divided into!
Damn it!
No wonder, our banknotes are becoming less and less valuable!
It turns out that this is the difference! "
Zhu Yuanzhang understood everything and completely figured out the matter of banknotes.
Lao Zhu looked at Dasun with bright eyes,
asked excitedly,
"Dasun, are we right?"
Zhu Xiongying gave a thumbs up sincerely.
"Grandpa, it's time for you to write the book Capital."
Although he didn’t know what the eldest grandson meant, Lao Zhu understood.
My eldest grandson is already impressed by our intelligence!
Lao Zhu snorted proudly. If there was a tail, it would have turned into a propeller now.
That's what this thing is,
If Chang Sen were to praise Zhu Yuanzhang, he would say, "Your Majesty, you are so smart."
Not only was Zhu Yuanzhang unhappy, he also felt that Chang Sen was scolding him.
But the eldest grandson's praise is different. Lao Zhu must be proud of it!
Queen Ma said,
"Xiongying, is this why you opened the Riyuedao Silver Mine?"
Zhu Xiongying nodded.
Queen Ma asked,
"Now we have enough gold and enough silver. We can't mix these things together."
As soon as Queen Ma's question came up,
You know, not only Lao Zhu understood it, but Queen Ma also understood it.
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 cannot let so much gold and silver flood into the market all at once. We have to squeeze it in bit by bit.
However, with so much gold and silver, the grandson has an idea. "
"What do you think? Tell me!"
After Lao Zhu finished speaking, he felt something was wrong again.
Now that we don’t have any jade seals or tiger talismans, what do we mean by pretending to be in charge?
Lao Zhu quickly reorganized the language,
The mouth yawned and said,
"Your Majesty, if you have any ideas, just tell me. Zhu Chongba, the humble minister, will give you some advice!"
Lao Zhu's whole scene made Empress Ma very happy.
Queen Ma is here too,
"Yes, Your Majesty, Ma will also give you some advice."
Zhu Xiongying was so embarrassed,
said anxiously,
"Grandpa! Grandma! Don't do this!"
Seeing their eldest grandson's face flushed with laughter, Lao Zhu and Queen Ma looked at each other and laughed.
Apart from Zhu Yuanzhang, there is no other person who can be so unconcerned with the throne.
"Grandpa, my grandson is wondering if we can get a bank."
"Is it just money?"
Zhu Xiongying shook his head,
"It's not a money shop, it's more advanced than a money shop."
Money banks are basically run by large households and are not officially built.
After all, it is representative that people in the Song Dynasty got into money business.
Because it is difficult to transport large amounts of money back and forth, merchants can transport the money to money banks in their own locations. Usually these money banks are backed by a wealthy businessman or official.
Afterwards, the money bank will give you a voucher, and you can just take this voucher to the designated location to exchange it.
Although,
This money bank is unofficial, but it can indeed save businessmen more time and effort.
It's no wonder that people in the Song Dynasty made money, and they paid attention to details to the extreme.
"Tell me something."
“Our Daming Bank mainly has two businesses:
One is savings and the other is borrowing.
The savings business should not be used at the beginning, and private loans should be the main business. "
The prerequisite for saving is that the people have money. Now the people have only had enough to eat for a few years. Where can they get the extra money to save?
and,
One of the reasons why people in ancient times couldn't save money was that even if they could save money, they would save it at home and not in a bank.
Therefore, it will take some effort to change this concept.
But, as long as you finish saving,
That is the court's weapon to regulate the country's affairs.
When the country needs money, it raises the interest rate a little higher. Everyone will save money, and the country will have money to spend.
And if you want to stimulate the market, you can lower the interest rate. People see that there is no profit in depositing money in the bank, so they withdraw their money.
Using banking policies, coupled with tax policies,
These two hands are sufficient to regulate the Ming Dynasty's economy.
Zhu Yuanzhang frowned,
He said in a deep voice,
“My eldest grandson, it’s not easy to get into the trap of borrowing money.
Wang Anshi didn't understand it, Yuan Ren didn't understand it, and we didn't understand it either.
If it is not corrected, it will shake the country. "
Lao Zhu was not exaggerating at all.
The most important item in Wang Anshi's reform was the Green Seed Method.
The government lends money to farmers and merchants who have no money. The farmers can repay the money after the autumn harvest, while the merchants need to repay the money within a month or two.
Looking at it this way, the Young Crops Law is indeed a policy that benefits the people, and there does not seem to be any problem.
Farmers have no money to buy seeds. It is better to borrow money from the government than from landlords.
Moreover, the interest rate set by the Young Crops Law is much lower than that of private loans.
But why is it that the Green Crops Law, a policy that benefits the country and the people, ended up being criticized by both farmers and landlords?
Wang Anshi had no problem with this matter, but Wang Anshi didn't expect it at first.
Decision makers and executors don’t wear the same pants at all.
Wang Anshi originally thought that if the central government’s policies were set, local governments would naturally implement them.
Wang Anshi was also afraid that farmers would not dare to borrow money, so he specifically set targets for local governments on how much money each local government must lend to complete the task.
The starting point is good, but as soon as it is pushed forward, everything changes.
Local officials forced farmers to take loans. If you don't need money, you can get a loan. If you don't, you can get a loan. Moreover, they privately raise the interest rate and use their own hands to collect money, which makes the people angry and resentful.
Everyone couldn't tell the difference between the decision-makers and the executors in the court, so they could only scold Wang Anshi. After all, he was the one who proposed the Qingmiao Law.
Over and over again, Wang Anshi took all the blame, and his reputation was so bad that naturally he could not push forward this reform.
This is what Lao Zhu is worried about.
What is a good idea in the central government, but it immediately changes when it is pushed to the local level, especially such a highly profitable policy?
Otherwise, a good thing will turn into a bad thing!
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