Chapter 271 Set up the Daming Bank to issue tens of millions of silver dollars to stimulate the economy

Style: Historical Author: Fengdu QingjiangWords: 2248Update Time: 24/01/12 08:04:37
"How to play?"

Xu Hongji asked Dou Ding.

Then, Xu Hongji took the initiative and said: "It's not like you don't know that in the current situation, if you dissatisfy the independent husband in the slightest, your home will be confiscated and beheaded! Although we are royal relatives, the independent husband will definitely not be the same." They won't do anything to us because of this! So, be sure not to let that rogue seize the opportunity to ransack your home because of this!"

Dou Ding smiled and said: "The Duke of Guo thinks that if you are honest, then the independent man will not raid your home?"

"If you want to incriminate someone, why bother?"

Dou Ding then looked at Xu Hongji seriously.

Xu Hongji also looked solemn and nodded slightly. He agreed with Dou Ding's statement.

"Yes, most of the land in the world is in the hands of the vassal kings and powerful people like us. Naturally, most of the food is also in our hands. But now that food profits have increased greatly, and more and more people rely on buying food to eat, the lonely man will definitely not Are you willing to let so many fields remain in our hands?!"

Xu Hongji said.

"As the Duke of the State said, most of the land in the world is in our hands, and many of it was given by the late emperors. And the food produced in those fields is our own. We can do whatever we want to do. That Du Fu It can't be taken away for no reason. If he really wants to take it away for no reason, then isn't he afraid that his treacherous ministers will also worry that one day his land and property will be taken away by His Majesty the Emperor for no reason? Zhu Youxiao's independent husband also has to The only thing that harms his own prestige is to follow the king's law and not follow the king's law. Who made him the emperor? He established the king's law by himself. If he doesn't follow the king's law, who will believe in him?!"

Dou Ding echoed.

Xu Hongji stood up directly and turned the jade belt on his python robe: "Mr. Dou is right. I don't sell my own food. I only spend money to buy food. What's wrong? He Zhu Youxiao has a knife, but This world does not depend on establishing authority."



"Right now, we have put down the rebellion in Jiangnan. We have raided the homes of many rebel gentry and killed many people. We have established our prestige. But to make the country strong and the people rich, it is not enough to establish prestige alone. We must establish trust!

Otherwise, in the eyes of the people of Jiangnan, we are just foreign wolves. Even if they are afraid of us, they will not respect us. Even if they dare not raise troops to rebel, they will no longer be diligent and active, and will only become insensitive. This is not what I want to see. of;

To be trustworthy, the first step is to strictly enforce the state laws. Not only the soldiers and the people must abide by the state laws, but the nobles and nobles must also abide by the state laws! "

Zhu Youxiao mentioned the matter of "establishing trust" in front of Han Xu, Xiong Tingbi and other court officials about how to govern Jiangnan next.

For Zhu Youxiao, he really didn't want to mess up Jiangnan and turn it into a colony that he could plunder at will.

Because Jiangnan belongs to the Ming Dynasty and China, and Zhu Youxiao is now the emperor of the Ming Dynasty and the emperor of China. He is not an invading robber from outside. He only cares about robbing all the property here and turning it into a hell. He only cares about his own. Enjoyment.

Therefore, Zhu Youxiao asked for "establishing trust" and said that Tianhuang nobles must also take the initiative to abide by the principles and laws of the country.

Of course, Zhu Youxiao held Tianxian and was the only person who could change the state laws and regulations and had the final right to interpret them.

In other words, now that Zhu Youxiao has taken control of the empire's strongest army, he wants to re-establish the rules and order of this world and require everyone to abide by it.

Of course, Zhu Youxiao is the only one who can flip the table.

"In view of the bankruptcy of many merchants and handicraftsmen in Jiangnan and the unemployment of workers, we should immediately follow the method I mentioned before to set up government-run lending banks to help these merchants and handicraftsmen resume production and workers to resume work. Government-run lending banks are called banks. , called Daming Bank;

The Daming Bank was led by Li Zhizao, the right minister of the Ministry of Industry, and Li Yongzhen, the internal eunuch and eunuch. They served as the general office and supervision of the Daming Bank. Their main responsibility was to lend the confiscated gold and silver to these merchants and craftsmen in the form of silver coins. Loan support will be provided based on the household check certificate registered in each county government office;

First, borrow 15 million silver dollars. Daming Bank used the survey information provided by the Bureau of Measurement and Dongchang to estimate the maximum number of silver dollars needed for the largest merchant in Jiangnan to resume production and make a profit, and how much interest it can bear. In order to avoid someone making a big mistake In order to prevent money from flowing into the hands of a small number of large merchants, it is necessary to limit the merchant's loan limit. However, in order to enable merchants and handicraftsmen to resume production as soon as possible, the interest rate must be reduced to a minimum, and even for a limit of less than one thousand silver dollars, And for borrowers whose total amount does not exceed 100,000, we provide interest-free loans!

Even if they can't pay it back by then, they will only retain their collateral, and I will allow them to apply for bankruptcy to the government and establish a bankruptcy system. "

Zhu Youxiao's response to the bankruptcy of a large number of merchants and handicraftsmen in Jiangnan was to set up banks to lend money.

Anyway, during this trip south, Zhu Youxiao confiscated a lot of gold and silver. The salt merchants alone got more than 20 million gold and silver, not to mention the gold and silver obtained by the rebel gentry in the south of the Yangtze River.

As the emperor, Zhu Youxiao naturally did not have to worry about exposing wealth and causing disaster.

He felt that instead of saving the gold and silver, he might as well lend it out to stimulate the economy.

In addition, Zhu Youxiao had the idea of ​​setting up a bank to regulate the economy before coming to Jiangnan.

Therefore, when he went to Jiangnan, he brought a large number of eunuchs who had been trained in the internal study hall and were good at abacus calculation. He also asked Dongchang to recruit many reliable bank accountants as the first batch of employees of the bank. Li Zhizao, one of the most outstanding mathematicians and Ministry of Industry officials, mastered the banking concepts taught by himself.

Now, it was natural for Zhu Youxiao to ask Li Zhizao and Li Yongzhen to open banks.

"Han Aiqing, this is how you plan!"

Zhu Youxiao continued.

"I obey the decree!"

Han Xu immediately replied and drafted a decree according to Zhu Youxiao's wishes.

Zhu Youxiao continued: "There is another issue that must be paid attention to. Once a large amount of silver coins are put on the market, the price of silver coins will drop. At that time, it will inevitably lead to an increase in prices, especially food! Beware of people taking the opportunity to hoard food. Make money and profit!”

"Your Majesty is wise! But it is difficult to stop the hoarding of grain, because most of the land is in the hands of feudal kings, nobles, and gentry, especially feudal princes and nobles. Unless the court can exempt princes, nobles, and gentry, The grain should be paid according to the number of acres of land, and those who conscripted more land would be given more grain. Otherwise, if the vassal princes, nobles, gentry, etc. who owned the most land refused to sell their own grain, the court would not be able to confiscate their grain without any reason. After all, most of the grain of the Ming Dynasty was produced by these people!"

Many of the fields in Huguang were occupied by feudal kings, and even King Fu occupied fields in Huguang.

Therefore, as a Huguang native, Xiong Tingbi knew that most of the fields were in the hands of the vassal kings, so he spoke frankly about the difficulties of stopping food hoarding.

However, after Xiong Tingbi said this, Han Xu's heart skipped a beat and he couldn't help but glance at Zhu Youxiao.

He was really worried that Xiong Tingbi, who dared to tell the truth on Liao affairs, would now make the emperor angry because he dared to tell the truth in front of the emperor.

"Your Majesty is also a member of the Zhu family after all. It is impossible not to take care of the royal family members. Xiong Tingbi said it so directly. Are you really not afraid of being beheaded by your Majesty?"

Han Xu cursed.

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