After returning home, Chen Jingke took out the gifts he brought from the palace.
Basically, they were awarded by Zhu Yuanzhang, Ma Xiuying and Zhu Biao.
Naturally, the gift given by the emperor cannot be transferred at will, but these are his parents, so there is no problem in carrying them around.
Chen Yuan's is a jade pendant, and Feng's is a pair of bracelets. The jade quality is quite good.
Of course, they won't care even if it's not good.
The meaning of a gift given by the emperor is greater than its own value.
Afterwards, Mrs. Feng pulled him and talked a lot, mostly about trivial matters in life.
Chen Jingke didn't feel nagging.
During his rebellious period in his previous life, he was really annoyed by his mother's nagging. Later, as I grew older, my thoughts changed.
Mother's nagging is love, please listen to one less sentence.
Naturally, he will no longer be rebellious in this life, and he can listen to every word of Feng's words.
Chen Yuan also asked a lot of questions, but he focused on military and state affairs, gossip about important figures in the palace, and so on.
Chen Jingke naturally knew what to say and what not to say, he just said everything was fine. If I want to ask specifically, the secret cannot be told.
Although Chen Yuan was disappointed, he also knew how to act appropriately and did not continue to ask questions.
While Feng was cooking, Chen Jingke asked about Baochao:
"Dad, tell me what happened to the treasure money."
Chen Yuan knew that he had heard the conversation just now and said nonchalantly: "Hey, it's okay. You can't lower the price in ten days and a half."
Chen Jingke asked: "Is the price of treasure banknotes greatly reduced?"
Chen Yuan nodded and said: "Every month there will be a drop of ten cents and eight cents. At the beginning of the year, the treasure banknotes could be exchanged for seven hundred cents of copper coins, but now they can only be exchanged for six hundred cents."
"When people have valuable money in their hands, they spend it quickly, for fear that the price will drop while they are still in their hands."
He is just an ordinary citizen with a well-to-do family, and he has not yet realized the seriousness of the problem.
Chen Jingke knew that this problem was too big.
But he didn't explain that much to Chen Yuan, he just asked about the situation of some treasure notes.
Chen Yuan didn't know much, so he could only say three sentences:
The price of treasure notes drops every month. People are unwilling to use them and merchants are not willing to accept them.
This made Chen Jingke feel very heavy.
The next day, when Chen Jingke was thinking about whether to go out for a walk, Du Tongli came to visit.
And gave a gift that was not light.
Chen Jingke accepted it after a few polite words, and then the two started talking.
"What is Brother Du busy with recently? The Zhao Mao case?"
Du Tongli shook his head and said with a wry smile: "To be honest, brother, I am not the commander's confidant. I will never get such a fat job."
"Now I still lead my brothers to find out information."
Spying on information is always the hardest and most tiring job.
Confiscating a house is a bad thing, especially a big case like the Zhao Mao case, which can make the officials in charge feel fat.
Du Tongli was naturally jealous.
Chen Jingke doesn't think so. Sometimes eating less is a good thing.
Although he didn't know what happened to Mao Xiang, he had heard a gossip that it seemed that only one of the commanders of the Jinyi Guards in the Ming Dynasty met a good death.
It was Lu Bing of the Jiajing Dynasty.
He had heard about Mao Xiang's actions in the palace, and he could only say that his lust for power made him blind, and his desire for power made people lose themselves.
With Lao Zhu's character, he will be liquidated sooner or later. If you get close to him, you may be implicated.
However, these speculations involved too many things, so naturally he couldn't tell Du Tongli.
He just said meaningfully: "Blessings lie in disasters, and misfortunes lie in blessings. It may not be a bad thing to stay out of it."
Du Tongli's eyes lit up and he asked: "Brother Chen, what news have you heard?"
Chen Jingke shook his head and said, "I am just a little grandson studying with me, how can I hear any news."
Du Tongli looked like he understood: "I understand, I understand, hehe. I won't thank you for your kindness. I will remember it today."
Chen Jingke just smiled and said, "Brother, do you know much about Baochao?"
Du Tongli said doubtfully: "Bao Chao? I don't understand very well. What's wrong? Did something happen?"
Chen Jingke said casually: "I'm just interested in this thing. It's hard not to be curious that a piece of paper can be used as money."
"How about I ask you, brother, to check for me?"
Du Tongli did not doubt that he was there, he patted his chest and said: "This matter is simple... I just don't know what aspect of the situation I want me to investigate?"
"All." Chen Jingke pointed out several key points.
The monetary policy of the Ming Dynasty, the issuance, usage, value changes of treasure banknotes, etc.
"I'm going back to the palace the day after tomorrow. Could you please bring it to me on this day?"
Du Tongli wrote down the key points one by one and said, "Okay, leave it to me."
The two chatted for a few more words, and then Du Tongli stood up and left.
Chen Jingke stopped him and gave him a palm-sized celadon vase with a narrow mouth.
It was not a special thing, there were them everywhere in the palace. He specifically asked Ma Xiuying for a few, and explained that they were for giving away.
Ma Xiuying didn't care and gave him a bunch.
But to people outside the palace, this thing is rare.
It doesn’t matter whether it looks good or not, or how valuable it is. The key is that it was taken from the palace.
It's like someone in a previous life took a few lighters from a state banquet, and they became a rarity in many places.
As expected, Du Tongli liked it so much that he pretended to refuse it and then carefully put it away.
After seeing Du Tongli off, Chen Jingke lost interest in going out.
I came to the study and recalled the economic conditions of each dynasty.
He also wrote down what he knew little about financial currency.
Then the economic situation of each dynasty was analyzed using modern financial and monetary knowledge.
He was ready to return to the palace to give Zhu Yuanzhang and Zhu Biao a financial lesson.
In ancient times, literature was valued over theory, and arithmetic was in the hands of a few people. Accounting was a job with a very high technical threshold.
As for financial knowledge, the ancients did not have this concept. Their understanding of financial economics is very simple.
But not everyone doesn't understand that over thousands of years of history, there will always be some monsters.
For example, during the Three Kingdoms period, the straight money issued by the Shu Han Dynasty was the earliest credit currency.
It effectively alleviated the currency pressure of Shuhan and activated the economy.
It's a pity that direct money was regarded as bad governance in ancient times and a means of squeezing people.
There are people who hold this view even in the twenty-first century.
It's just that they don't understand what is spam issuance of currency and what is planned issuance of credit currency.
One hundred coins can be used to purchase items of equal value in various state-owned warehouses in Shuhan.
This kind of currency with margin has nothing to do with squeeze, right?
In the Tang Dynasty, Tongbao was created because of the copper shortage.
Kaiyuan Tongbao is the first semi-credit currency in history.
Why is it called semi-credit? Because it is still a metal currency.
But the copper content is only one-third of the purchasing power.
After that, the concept of Tongbao was accepted by various dynasties.
In the Song Dynasty, a real credit currency, Jiaozi, appeared.
It’s just that it hasn’t become popular on a large scale.
Moreover, people in the Song Dynasty were relatively conservative. Jiaozi was only an auxiliary currency, and the state prepared a large amount of goods as guarantee.
During the Ming Dynasty, treasure banknotes became legal tender, and the court did not prepare a deposit at all.
Official salaries, payment of taxes, etc. all require the use of treasure banknotes.
As a result, the banknotes rapidly depreciated in value.
People don't dare to save precious money on weekdays. They must use it as soon as possible, otherwise it will depreciate.
But when it came time to pay taxes, the court stipulated that a certain amount of treasure money must be used.
what to do?
You can only ask others to buy it at a high price.
So some people began to hoard treasure banknotes, buying them at low prices during normal times, and selling them to the people at high prices when taxes were paid.
The common people were tricked twice inside and outside.
It can be said that the economic policies of the Ming Dynasty were the most unfavorable in history.
Eventually he died as a result.
It's okay if I didn't expect it before, but now that I have discovered it, Chen Jingke will not stand idly by.
Set a small goal and educate Zhu about what finance and currency are.
