Lao Zhu has always attached great importance to this,
It's definitely not that easy to borrow money from the private sector.
even,
Sometimes even if the government's low-interest loans are pushed forward, the people would still rather borrow from the landlords, because the government has no credibility.
Zhu Yuanzhang built a gratitude warehouse and a relief ship.
These two systems are all of Ming Dynasty’s lending.
Grain repayment warehouses are located in various places, where rice, grains and money are stored and are specially used for private loans.
Entry and exit from the warehouse must be registered, and accounts must be transferred on the spot after leaving the warehouse. Moreover, Lao Zhu also rotates the officials of the local warehouse from time to time.
It was through such strict guarding that we didn't go blind with the loan.
but,
Lao Zhu's gratitude warehouse system has an inherent flaw.
The capacity is just too low.
The amount of money and food that can be borrowed is only so small. People are on a first-come, first-served basis. If it's too late, it will be gone.
It’s not that Lao Zhu didn’t want to expand the scale of the Gratitude Warehouse. The main reason was that as soon as it expanded, he immediately lost control. Officials had to be greedy despite the danger of beheading.
so,
Zhu Yuanzhang would rather do less than give openings to corrupt officials.
but,
According to the previous economic size of the Ming Dynasty, this would be no problem.
But now,
It is obvious that the gratitude warehouse system is completely outdated.
Daming Agriculture occupies three large granaries in Liaodong, Henan, and Jiangnan. There will be more and more farmers.
Similarly, there will be more and more businessmen in the future,
They need to borrow capital. If the government doesn't do this, a huge profit will be missed.
and,
Letting private lending suppress official lending is definitely not a good thing.
If Zhu Xiongying wants to establish government lending, it is necessary to open up banks.
“Grandpa, our bank is official.
The procedures for borrowing money from abroad are all clear and clear.
Grandson thought, our bank cannot belong to the bureaucracy and should find another way so that it has nothing to do with the officials.
and,
My grandson figured it out.
Jiangnan will become richer and richer in the future, and wealthy businessmen will continue to emerge one after another.
As long as we hold the banks and add value-added tax, we can control them to death! "
Zhu Yuanzhang pondered for a moment,
What he is worried about is that the local government will not follow the central government's wishes and will use its hands to cast a shadow on Jiangnan.
But according to what the eldest grandson said, it sounds like there is nothing wrong with him.
but,
Lao Zhu is definitely stable enough.
“Eldest grandson, let’s try it out first.
Once it’s done, push it forward. "
"well!"
Zhu Xiongying nodded heavily and said with a smile,
"Got it! Grandpa!"
Xia Yuanji happened to be in Jiangnan, so he was able to start the bank easily.
Once the effect comes, it will be more effective than saying a thousand or ten thousand words.
Queen Ma looked at her eldest grandson with eyes a little twitching.
said,
"Okay, it's getting late, let's put the eldest grandson to bed quickly."
Lao Zhu raised his head and waved his big hand,
"Well, sister, my eldest grandson and I share a bed tonight!"
Queen Ma narrowed her eyes,
"Believe it or not, I asked you to go out to sleep?!"
Lao Zhu's neck quickly shrank.
He basically didn't spend the night with other concubines, and he wasn't allowed to live in Xianning Palace, so why not just sleep outside? !
Zhu Yuanzhang went to bed obediently and looked at Zhu Xiongying with complicated eyes.
"Grandson, go to sleep by yourself!"
Queen Ma snorted,
"I sleep with my eldest grandson!"
"this!"
Lao Zhu's eyes widened, he didn't expect such an operation at all!
Just give us the rest right away? !
...........
The next day, Capital University
"Goodbye sir!"
Old Shi Zhu Tan raised his eyes and glanced at Zhu Quan,
said,
"Seventeen, wait a moment."
Zhu Quan sat back silently.
After all the students had dispersed, Old Ten Zhu Tan walked over to Little Seventeen and said,
He asked with a playful smile,
"What's wrong? Are you autistic?"
Lao Shi's biological mother is Concubine Guo Ning, and Xiao Qi's biological mother is Concubine Yang. The two mothers often move around, so the two have always been close to each other.
Zhu Quan lowered his head but said nothing.
Zhu Tan sighed and patted Zhu Quan on the shoulder.
I didn’t know what to say for a moment,
Silent for a long time,
Zhu Tan picked out a small red pill from nowhere.
Get in front of Zhu Quan's face,
"Seventeenth brother, tenth brother knows that you feel bad.
Come on, feed this.
Just eat it. "
Although Xiao Qi is autistic, he is not crazy either.
Brother Ten spends his days making some weird things that no one but himself would dare to eat.
Zhu Tan, the tenth old man, saw Zhu Quan so hesitant.
He said somewhat unhappily,
"Brother Seventeen, what do you mean?!
This is purely natural and pollution-free!
Do you believe that eating it can make you speak? ! "
Xiao Qi Zhu Quan’s eyes were suspicious.
He really doesn't believe it anymore.
He doesn't talk if he doesn't want to talk. Can he just take a pill to make himself talk? !
Meeting Old Ten's provocative eyes, Little Seventeen took the red pill.
I swallowed it without thinking.
Zhu Tan, the tenth old man, looked at his seventeenth brother with excitement,
I saw the seventeenth brother's face turning red very quickly, and his facial features were squeezed together in pain.
Old Shi Zhutan began to whisper devilishly,
"Stop holding it in, Seventeenth Brother!
Scream it out, it will feel better! "
Xiao Qi finally couldn't bear it anymore.
The voice was hoarse and said,
“What makes this thing so hot?!!”
Then, he rushed out to find water to drink,
Seeing Zhu Quan rushing out, Zhu Tan, the tenth old man, did not let Zhu Quan go and ran out closely.
He looked like he had succeeded in his prank,
Laughing wildly,
"Hahahahaha! I didn't expect it!
Your tenth brother made super spicy pills! I got hemorrhoids after eating it!
At that time, I thought I must let you try it!
You have spoken! Are you no longer autistic? ! "
Xiao Qi is going to cry in anger, Brother Ten is such a beast,
I felt so uncomfortable that instead of comforting myself, I even made a fool of myself to tease myself.
It felt uncomfortable to be teased. Now Zhu Quan had a deeper understanding of how much he was hated by the troublemakers in the past!
After Xiao Qi drank the water, instead of feeling any relief from the spiciness, he felt that it was getting spicier and spicier.
When Old Shi Zhutan saw this scene, he jumped up and clapped like a child.
said excitedly,
"I forgot to tell you! I specially added some other materials!
The more water you drink, the spicier it gets! "
The seventeenth-year-old Zhu Quan was completely angry and cried because of the tenth brother.
I cried out loudly,
Seeing that the fuss had gone too far, Old Eleven turned around and ran away.
Zhu Quan stood there, his lips swollen like sausages, wiping away tears and crying heartbrokenly.
The little figure stood there, looking extremely pitiful.
"What's wrong?"
Fang Xiaoru walked up to Zhu Quan with his hands behind his back. Zhu Quan choked with sobs and looked at Fang Xiaoru.
"First, sir."
Fang Xiaoru shook his head, took Zhu Quan's hand,
said,
"Oh, let me take you to the doctor."
