The copper coins of the Ming Dynasty can become the money circulated among small neighboring countries, and the treasure banknotes can also be used.
Zhu Di still couldn't figure out the twists and turns, and he asked with a dark face: "The treasure banknotes issued by our Ming Dynasty's gold and silver are not enough for the Ming Dynasty itself, why do we still let the treasure banknotes circulate to surrounding countries? "
Chen Kan slapped his forehead and said helplessly: "My Majesty, since they want to use our treasures, shouldn't they pay us a deposit?"
"Let them pay us a deposit?"
Several big question marks appeared on Zhu Di's forehead. Why should people pay a deposit to Daming?
Chen Kan nodded and said: "Yes, the countries surrounding the Ming Dynasty purchase large quantities of materials from our Ming Dynasty every year. We can ask them to settle with treasure banknotes, but they don't have treasure banknotes. What should we do at this time?"
"Let them exchange gold and silver for treasure notes?"
Zhu Di finally became smarter and learned to answer questions quickly.
Chen Kan smiled evilly and said: "Yes, if this continues, over time, gold and silver from all countries will flow into the Ming Dynasty. Will the Ming Dynasty still be short of gold and silver by then?"
"Hiss~"
After listening to Chen Kan's explanation, Zhu Di suddenly took a breath of air as if he had a toothache, and his face suddenly began to twist.
He seems to have seen the Ming Dynasty's treasure money flowing to the world, and being exchanged for countless real gold and silver.
Using a piece of paper to exchange for countless gold and silver is simply a desperate plan.
He asked with disbelief on his face: "Boy, how did you come up with such a black-hearted idea?"
Chen Kan spread his hands in disbelief: "Your Majesty's words are wrong. It is better for the countries surrounding Ming to share the risks with Ming than for the people of Ming to bear it alone, right?"
"What's more, we are not trying to plunder all the gold and silver from the countries surrounding the Ming Dynasty. The deposits they paid can still be exchanged back as long as they have sufficient treasure banknotes."
"Change back?"
When he heard Chen Kan say that various countries could exchange their deposits back, Zhu Di suddenly exploded: "Absolutely not, I don't agree. I have already given them treasure money, they can't be so greedy!"
Very good, Zhu Di has successfully transformed into a miser.
This treasure banknote has not yet been researched, and Zhu Di has already regarded the gold and silver of various countries as his own forbidden treasure.
With Zhu Di's attitude, Chen Kan felt that it was not hopeless to recreate monetary hegemony in the Ming Dynasty.
"So your Majesty agrees?"
Chen Kan stared at Zhu Di with burning eyes. As long as he nodded, Chen Kan planned to use his shallow financial knowledge to start a currency war in the Ming Dynasty.
The Ming Dynasty is so big and has such a large population. How can we do it with less money?
Zhu Di woke up from his fantasy. He frowned and said, "I have three questions."
Chen Kan came to answer Zhu Di's questions today. After hearing this, he cupped his hands and said, "Your Majesty, there is no harm in talking."
"First, how can you guarantee that the treasure banknotes you make will not be counterfeited?"
"Second: What should I do if someone exchanges gold and silver in large quantities and doesn't have enough money?"
"Third: If the treasure banknotes you make also depreciate in value, causing various countries to accuse the Ming Dynasty, how should you respond?"
These three questions, to put it bluntly, are still commonplace, and Chen Kan has already prepared them.
He smiled and said: "Once treasure banknotes are linked to gold and silver, it is almost inevitable that they will be counterfeited. The solution Weichen can give is nothing more than to increase market supervision and upgrade the production technology of treasure banknotes at any time."
"In my opinion, this problem is hardly a problem. Compared with the benefits brought by issuing treasure banknotes, I think the Ming Dynasty can bear such a price."
"Of course, I will try my best to find ways to make this first edition treasure banknote so exquisite that it is difficult for others to imitate it. Even if it cannot be 100% anti-counterfeiting, at least it should be so that it is not cost-effective for others to imitate it in a short period of time."
"When the market finds a low-cost way to imitate counterfeit banknotes, the second generation of banknote technology will also surface."
After listening to Chen Kan's explanation, Zhu Di looked thoughtful.
Since ancient times, there have been countless counterfeitings of gold and silver, let alone counterfeiting of treasure banknotes.
Take the treasure banknotes currently issued by the imperial court as an example. There are many small workshops on the market that are counterfeiting them.
There is really no way to avoid this kind of thing.
After all, it is the interests that move people's hearts.
After figuring out the joints, Zhu Di nodded gently, agreeing with Chen Kan's explanation.
He looked at Chen Kan: "What about the second question?"
Zhu Di couldn't figure out how to solve the second problem.
Since the imperial court has opened a channel for the exchange of treasure banknotes and gold and silver, once someone exchanges gold and silver in large quantities, it is impossible not to exchange it for others, right?
If it cannot be redeemed, the court's credibility will be damaged and the treasure banknote will still be reduced to a piece of waste paper.
If it is exchanged, again, where does the money come from?
But in front of Chen Kan, is this a problem?
He did not answer Zhu Di's question, but asked: "Your Majesty, what does it mean to exchange gold and silver in large quantities?"
Zhu Di was stunned for a moment, then pondered: "If someone suddenly came to your door with tens of thousands or even hundreds of thousands of treasure notes and asked to exchange them for gold and silver, do you think the one million taels of silver that Zheng He brought back from Japan would be enough to last for a few days? ?”
"Then this person must be a lawless person. I suggest that this person be investigated strictly for three generations and his family's property be confiscated."
As soon as Chen Kan said this, Zhu Di suddenly had a black line: "Nonsense, if you do this, wouldn't you treat the laws of the Ming Dynasty like child's play?"
I have to say that this proposal was very tempting, and even Zhu Di was moved for a moment.
But after all, he is the emperor who looks down on the world, and it is absolutely impossible for him to agree to such villainous behavior.
Zhu Di suddenly changed his face, and Chen Kan didn't care.
This shows that Zhu Di is a man of integrity. If Zhu Di doesn't change his face, then there is something wrong with him.
If Zhu Di agreed to his proposal without asking why, he planned to make a huge fortune as soon as the bank opened.
An emperor must have some integrity.
But since Chen Kan said this, it must be able to solve the problem.
Chen Kan stopped trying to keep things secret and asked: "Your Majesty, with the current value of treasure banknotes, who would still have tens of thousands or even hundreds of thousands of treasure banknotes in their hands, businessmen or officials?"
Sure enough, as soon as Chen Kan said these words, Zhu Di became instantly enlightened.
He nodded slowly: "In this case, this person is really a lawless person. Even if he is not a lawless person, he is definitely a speculator and should be killed!"
"Your Majesty is clear."
Chen Kan flattered him a little, and then said with a smile: "When the problem cannot be solved, solving the person who raised the problem is also a way to solve the problem."
Chen Kan has already thought about this problem countless times.
At this time, neither officials nor businessmen are hoarding large amounts of treasure money.
Instead, the moment you get the treasure banknotes, you turn the treasure banknotes into materials.
Because the depreciation of treasure banknotes is a top-down process, starting with the court, then officials, then businessmen, and finally the common people.
The imperial court used Yiguan Baoqian to buy back supplies with Yiguanqian from the market, because no one dared not sell them to the imperial court.
But in the hands of officials, the treasure banknotes will depreciate significantly, and the usual money can only buy 800 coins of supplies.
When it falls into the hands of a businessman, a treasure banknote can only buy five hundred coins or even less.
And these materials, without exception, were all made by the hardworking hands of the simple people of the Ming Dynasty.
After passing through three hands from the court, officials, and merchants, the consistent treasure banknotes may only be able to buy three hundred cash in the hands of the common people.
In the whole process, the court will not lose money, nor will the officials or the people. Then it will only be the people who will lose.
The first three used a piece of paper to exchange a large amount of materials from the hands of the people.
The people have been working hard for a year, but in the end, it is very likely that due to the depreciation of the currency, even eating will be a problem.
This is the so-called economic bubble.
Moreover, as the imperial court continues to issue more treasure banknotes, the value of the treasure banknotes will continue to depreciate.
As for businessmen and officials, it is naturally impossible for them to keep the treasure notes in their hands and let them depreciate.
Therefore, the common people have become the largest group holding treasure banknotes.
But no matter how much treasure money the common people have in their hands, dozens or even hundreds of coins are just as valuable as the sky.
Common people who have tens of thousands or even hundreds of thousands of treasures in their hands are no longer called common people.
That's why Chen Kan told Zhu Di that if someone wanted to exchange a large amount of gold and silver at once, there would be absolutely nothing wrong with arresting him.
If Zhu Di disagrees, Chen Kan plans to do this. Taking advantage of the information asymmetry between the people and himself, he will buy large quantities of treasure banknotes from the people, and then exchange them at the bank to make a fortune.
After the second problem was solved, Zhu Di changed his tone and asked, "What about the third problem?"
Chen Kan shrugged his shoulders indifferently: "That is the matter of other countries, and it has nothing to do with our Ming Dynasty. Although our Ming Dynasty is the suzerain country, we don't have the power to meddle in other countries' internal affairs, right?"
"What do you mean, please speak to me."
For some reason, Zhu Di couldn't help but get inexplicably angry every time he saw Chen Kan acting so frivolously.
Chen Kan blinked his eyes and was about to speak when he heard the little fat guy beside him mutter: "It's better to die as a fellow Taoist than to die as a poor Taoist."
Chen Kan and Zhu Di turned their heads at the same time, and Little Fatty shrank his neck instantly: "Did I say something wrong?"
Chen Kan hurriedly gave him a thumbs up: "That's right, His Highness's words are rough and unreasonable."
After receiving praise from Chen Kan, Xiao Pangdun suddenly felt confident: "Grandpa Huang, my grandson thinks that Chen Kan is right, our Ming Dynasty is just the suzerain state, not their father.
The affairs of those small countries have nothing to do with our Ming Dynasty. Anyway, the gold and silver are in our hands. At worst, we will ban the treasure banknotes and distribute gold and silver to the people. The people of the Ming Dynasty can still live. "
"Hiss~"
Chen Kan and Zhu Di took a breath of cold air at the same time.
Zhu Di was frightened by Xiao Pang Dun's cold demeanor at such a young age, while Chen Kan marveled at Zhu Zhanji's understanding.
Look at this realization. After all, you, Zhu Di, are also the famous Emperor Yongle, the gatekeeper of the majestic emperor through the ages. How come this realization is not as good as that of a child?
Zhu Di's face was as dark as the bottom of a pot. He took Zhu Zhanji into his arms and slapped Zhu Zhanji's little butt with a palm the size of a cattail leaf fan.
"You little bastard, who taught you to be so indifferent to all the people in the world?"
Zhu Zhanji was stunned. He couldn't understand why he just told the truth. Why did the emperor hit him?
Was he wrong?
"Pa~"
Zhu Di's slap fell hard on the little fat man's butt. It could be seen that he was indeed very angry, and there was no discount in this slap.
"Ah~"
Zhu Zhanji's screams like killing a pig suddenly sounded in the hall.
"Grandpa Huang, what did your grandson say wrong?"
Chen Kan watched this scene with great interest. He did not try to persuade his grandfather to beat his grandson.
"Grandpa Huang, please forgive me, please forgive me."
"Grandpa Huang, spare your life, don't fight~"
After beating Zhu Zhanji hard several times, Zhu Di let go of Xiaopangdun. Xiaopangdun sobbed and ran away to hide behind Chen Kan.
Then a round head emerged from Chen Kan's shoulder, and he sobbed dissatisfied: "Grandpa Huang, my grandson was right, why did you hit me?"
Chen Kan sighed quietly.
Quickly got out of the way.
Seeing Zhu Di pounce on the food, Zhu Zhanji was lifted up by Zhu Di like a little chicken again.
"You little bastard, you still dare to talk back, don't you know that our Ming Dynasty governs the world with benevolence and filial piety?"
After giving Xiao Pangdun a harsh lesson, Zhu Di once again raised his big hand like a cattail leaf fan.
"This slap shows that you have no kindness. This slap shows that you are cold and heartless at a young age..."
Zhu Di was very angry, and the result was crisp slaps and screams echoing in the hall.
Chen Kan felt a chill in his heart, and he suspected that Zhu Di was trying to scare the monkeys.
Kill the little chicken Zhu Zhanji and scare the wild monkey Chen Kan.
Zhu Di beat his eldest grandson and couldn't help feeling a little regretful. If he had known that bastard Chen Kan had come up with such a desperate plan, he shouldn't have let Zhu Zhanji stay here.
Zhu Zhanji looked at Chen Kan pitifully, with a pair of sneaky little eyes full of help.
Chen Kan turned around without leaving a trace, avoiding looking directly at Xiaopangdun.
A look of desperate gray suddenly appeared on Little Fatty's face.
After a while...
"Help, Grandpa Huang killed someone, Grandma Huang, save me!"
Chen Kan couldn't help but twitch the corner of his mouth, and then covered his ears without leaving a trace.
But Zhu Zhanji's voice was not without effect. At least the little eunuch outside the door was so frightened that he ran towards the harem.
Zhu Di was furious. He really loved this grandson.
现在揍他更多的是出于一种爱护之心。
Just like a sapling growing crookedly, external force must be used to straighten it.
After beating him a few times, Zhu Di couldn't bear to continue beating him when he saw that his face was covered with runny nose and tears.
"Humph, let's see if you can have a better memory in the future?"
Zhu Di found a step for himself. Hearing this, Little Fatty quickly stopped screaming and begged: "Grandpa Huang, my grandson will never dare to do it again."
"Come here, take His Royal Highness the Emperor's eldest grandson back to the harem."
Zhu Di quickly made a decision. He felt that Zhu Zhanji could not be allowed to stay here any longer.
Otherwise, sooner or later, his extremely intelligent eldest grandson will be taught to be a little bastard by that bastard standing nearby watching the show.
