In addition to depositing the principal, you can also earn 1% interest on the principal.
Xia Yuanji looked at Zhu Yunwen. This seemingly "very fragrant" condition may not attract officials and wealthy gentry, but the headstrong emperor did not listen to his own persuasion and insisted on promoting the bank.
After leaving the Wuying Hall, Xia Yuanji said to Huang Zicheng worriedly: "Master Shangshu, this matter must be stopped by the emperor. Once the Royal Central Bank is born, the copper exchange turmoil among the people will suddenly arise. With the current money of the harem, there is no way to stop it. Support. Although the tax revenue of the Ministry of Household Affairs is mainly silver and copper, for the convenience of transportation, most of the money sent from the local government is silver coins, and there are very few copper coins. If the bank is in crisis, even if the Ministry of Household Affairs allocates all the copper coins, it will not be enough to quench the thirst of the people. .”
Huang Zicheng looked solemn and said: "I don't know how much copper money the emperor has in his hands to be able to make such a big deal. I'm afraid the emperor will suffer a big loss this time. The businessman will never let go of the opportunity, even if the bank has a royal brand."
Zhuo Jing sighed and said: "If the bank is born, but it is closed for a few days because it cannot exchange silver and copper, the reputation of the royal family will be damaged. By then, the emperor will be angry. The Ministry of Finance is caught in the middle, and the most important thing is Difficult to do.”
Huang Zicheng returned to the household department and ordered Xia Yuanji and Zhuo Jing to check the account books and inspect the inventory.
Zhuo Jinghui reported: "My lord, the current total of copper coins is only 500,000 guan. The local autumn tax collection has not yet arrived, and it will take at least three months. However, the local tax collection is mainly silver, and copper coins are not enough."
Xia Yuanji closed an account book and said sadly: "If we order the local government to change the tax silver to tax copper, will it be too late?"
Huang Zicheng shook his head and said: "If the copper coins are changed and sent to the capital, the cost of migrant workers will increase greatly, and when the order arrives, the local government may not have time to exchange it. If the local government borrows the imperial order and uses tax as an excuse to exchange copper coins on a large scale, it will definitely It disturbs the people and is extremely detrimental to the local area."
"Then what should we do?"
Zhuo Jing was a little anxious.
Xia Yuanji thought for a while and said: "The most appropriate way is to persuade the emperor not to do anything with the bank and make it clear that he has a strong relationship."
Huang Zicheng nodded slightly and agreed: "This is the most appropriate method. However, since the emperor came to the throne, he has many opinions and rarely gives in. If he has already made up his mind, we are afraid that it will be difficult to convince him."
"Even if you can't be convinced, you can still be exempted from the responsibility of the Ministry of Household Affairs."
Zhuo Jing said solemnly.
The Ministry of Revenue objects. If the emperor insists on opening a central bank and suffers losses and loses people, it cannot be said that the Ministry of Revenue does not act. Even if the responsibility is investigated in the future, the Ministry of Revenue cannot be blamed.
Zhongcui Palace.
Concubine Ning personally cooked the cold nourishing fish soup, served it to Zhu Yunwen, and said: "The cold is unavoidable in winter, and you are always walking around. The emperor needs more care."
Zhu Yunwen tasted it and said with a smile: "I am good at my craftsmanship."
When Concubine Ning heard Zhu Yunwen's praise, she said, "I learned it after studying with Supervisor Shang Shan for a long time. I have a lot of knowledge in cooking."
Zhu Yunwen took a bite, put down his spoon, and moved his mouth slightly: "The Tao Te Ching says that to govern a big country is like cooking a small dish. It is not easy to cook a small dish well."
Concubine Ning smiled lightly and said, "I hope the emperor will select all the good talents, including Yi Yin."
"Yi Yin? He talks about soup by taste. As for the king's way, my beloved concubine also knows it?"
Zhu Yunwen's eyes lit up slightly.
Concubine Ning sat down and said softly: "Shang Yuansheng is a legendary figure."
He said, "How can I not hear this? Even Shang Shanjian takes him as his ancestor." The five-flavor blending and fire theory were his creations. Comparing his cooking skills to the country, he is an important minister of Chengtang. "
Zhu Yunwen sighed a little.
People in ancient times knew that it is difficult to govern a big country by cooking small delicacies. Only after the Qing Dynasty did they keep talking about how easy it is to govern a big country by cooking small delicacies, thereby criticizing the Tao Te Ching for governing by inaction.
But you must know that in the era when "governing a big country is like cooking small fish", there was no wok, so we could only "cook" it. Take a small fish and simply wash it. Neither the intestines nor the scales are removed. If you always turn it , will cause the small fish to break into pieces.
There is a saying in "The Biography of Mao's Poems": If you cook the fish, it will break into pieces; if you treat the people's troubles, they will fall apart; if you know how to cook the fish, you will know how to treat the people.
Don’t bother cooking small delicacies, and don’t bother running a big country. Trouble makes people work hard, and disturbance makes fish collapse. This is the wisdom of governing a country and the true meaning of "governing a big country is like cooking small delicacies."
Zhu Yunwen looked at the fish soup in front of him, tasted it, and said: "Although the principles are similar, it is difficult to do, and it is even harder to do it well. I have already let the Ministry of Revenue know that I plan to set up a central bank."
Concubine Ning was smart and said with a smile: "The household department will definitely object."
Zhu Yunwen laughed and said: "Yes, they will object, and they will not object once. It's just that I give them a chance and hope that they will advance and retreat with me. If they don't want this opportunity, but want to gain benefits from me. , when the time comes and you suffer a huge loss, you won’t be able to blame me.”
Concubine Ning smiled and reminded: "It's okay for the people, they don't have much silver in their hands, but officials and merchants may not let go of such an opportunity. Everyone knows that silver is cheap and copper is precious. If someone hoards copper coins in large quantities, they will definitely This will make copper more expensive, and a lot of profits will come out of thin air, and they will definitely compete for it."
Zhu Yunwen motioned to Concubine Ning to have a meal together, and said: "Fight, they won't fight, how can we make a profit? The copper coins secretly transported to the capital have piled up, and the stamping and minting of He Fu's coins has also been completed, and there will be no problems with the subsequent supply. Silver supply The price of copper and gold has reached a dangerous level, and if it continues like this, it will definitely affect people's lives, and the bank can't wait any longer."
Concubine Ning knew Zhu Yunwen's plan. The original capital accumulation of the central bank was mainly based on the revenue from the harem. Later, He Fu led the craftsmen to open a large copper mine and minted copper coins. After nearly ten months of accumulation, it had formed a considerable scale and was launched. Banks have conditions.
"I, my concubine, have something unknown."
Concubine Ning took out a copper coin and placed it on the table.
Zhu Yunwen took a look and explained: "But I'm wondering why in the Jianwen Dynasty, the copper coins were still Hongwu Tongbao instead of Jianwen Tongbao?"
Concubine Ning nodded slightly, her eyes full of doubts.
Zhu Yunwen said solemnly: "Taizu said to himself, I am a commoner in Huaiyou, and how can the world compare to me? Looking back on Taizu's life, he was smart and far-sighted, mighty and mighty, recruited heroes, pacified the world, thirsted for talents, and paid great attention to Farming mulberry trees, promoting rituals and music, praising integrity, and advocating education.”
"Although there were many killings and many unjust cases, judging from his achievements, just expelling the barbarians, eliminating riots, saving the Han nation, pacifying the world, and restoring China are enough for him to shine in the annals of history and be famous throughout the ages."
"Such achievements should be remembered by all people forever. I do not intend to mint Jianwen Tongbao, nor do I intend to change Wenqian banknotes. In this world, there should be only Ming Dynasty treasures, only Hongwu Tongbao! The difficulties of founding the country, the supreme merit of the founding of China , Taizu should be allowed to live in this way forever."
After Concubine Ning heard this, she stood up solemnly and walked
Li said: "The emperor has such understanding and decision-making, which is the blessing of the Ming Dynasty."
Early the next morning, Huang Zicheng and Xia Yuanji from the Ministry of Revenue asked for an audience with Xie Jin and Zhang Sui from the cabinet.
Xia Yuanji advised with earnest words: "Your Majesty, if you don't prepare enough copper coins, the central bank will close down when the bank run begins."
Zhu Yunwen patted the table and said with a gloomy face: "I have raised 300,000 copper coins from the harem, which I injected into the bank. Once the profit-inducing measures are promulgated, hundreds of officials will follow up and deposit the copper coins into the bank. You can have a large amount of copper coins. How many copper coins can the merchants and people of the capital exchange? As long as you continue to exchange them, the situation of silver being cheap and copper being expensive will change."
"But if it's still not enough to exchange, how to clean up the situation?"
Xia Yuanji gritted his teeth and said at the risk of being convicted.
Zhu Yunwen took a deep breath and said: "It won't be enough. I have calculated that if 500,000 copper coins are exchanged in the capital, the folk copper shortage will be alleviated. If 800,000 copper coins are exchanged, the copper coins will go down. Xia Aiqing, the lack of copper among the people has become a serious problem, and the central bank needs to be launched as soon as possible. I have made up my mind and there is no need to say more."
Huang Zicheng stopped Xia Yuanji and said: "Since the emperor has made up his mind, the household department has 500,000 guan of copper, and he is willing to use 200,000 guan to support the bank. The remaining 300,000 guan is not suitable for use."
"The Romance of Fairy Wood"
Zhu Yunwen narrowed his eyes slightly, looked at Huang Zicheng, and said: "After two hundred thousand copper coins are deposited into the bank, the bank will take out the corresponding silver coins and send them to the household department. In this way, the household department will make a lot of money, that's all, since the household department I have good intentions, but it would be inappropriate for me not to agree."
Huang Zicheng didn't know where Zhu Yunwen had the confidence to make money, and he had already prepared for losses, but what could he do? If he didn't explain the bottom line now, once the bank became unsustainable and the emperor got angry and interfered with the household department, wouldn't it be a financial chaos?
Seeing that the matter had reached this point, Xie Jin stopped talking about the bank affairs and said: "Your Majesty, the autumn harvests in various places have been put into storage now. In order for the people to live a stable and comfortable year, I would like to ask for the order to build eight new granaries and purchase grain in the name of the imperial court. , enrich the grain depot to prepare soldiers for disasters."
Zhu Yunwen looked at Huang Zicheng and Xia Yuanji.
Huang Zicheng said: "The large granary at the outer gate of Jinchuan will help stabilize the price of food in the capital, but once there is a local problem, mobilization from the capital is always a bit slow. I believe that setting up more granaries is like a rock with more casts, which stabilizes the people's lives like Mount Tai. "
"Since the Ministry of Revenue has no objection, let's choose the site and build a few more granaries. However, I think the specific location should be mainly in the north and supplementary in the south."
Zhu Yunwen ordered Shuangxi to take out the map.
There are already difficulties in food supply in the north, and there is also a large army. Although military settlements are still being implemented in most areas, once a natural disaster occurs, the reduction in food production will definitely cause big troubles, so it is not possible to make arrangements in advance.
The most important consideration is military.
Through the map of the Ming Dynasty, Zhu Yunwen, Xie Jin, Huang Zicheng and others finally decided to set up eight granaries: Beiping Cang, Xuzhou Cang, Datong Cang, Huai'an Cang, Zhending Cang, Guangdong Cang, Ji'an Cang and Tingzhou Cang.
Granaries vary in size, ranging from 800,000 shi to 3 million shi.
Zhu Yunwen particularly emphasized that the Guangdong warehouse should not be less than two million dan, which made Xie Jin keenly aware that the emperor paid special attention to matters in the south. Thinking of the previous official documents sent by the Ministry of Revenue to Guangxi, Guangdong and other places, it can be speculated that the emperor has great A large army may be used against Annan.
After all, before the soldiers and horses move, food and grass go first.
