My Brother-in-law is the Prince

  Chapter 162 There are one hundred and sixty-two chapters: Jane is in the heart of the emperor

  Silver...Countless amount of silver...

  Zhu Di finally understood the meaning of the bank.

  He took a deep breath, countless thoughts flashed through his mind.

  If this can be done, it will be far more meaningful than earning a million taels of silver.

only…

  Zhu Di stared at Zhang Anshi and said, "There is an interest rate difference of 3% in the middle. Although 3% is not much, I was thinking, what should those who borrow money from the bank fail to pay?"

Regarding this problem, Zhang Anshi has thought of it a long time ago, and said: "This is easy, so borrowing has collateral. What is acceptable now is land, land, and mansion. In the future, I will find a way to expand it." The new collateral comes out. So... no matter what, the bank will not lose money."

  Zhu Di was surprised and said: "The mortgage? The land?"

Zhang Anshi said: "Yes, and when evaluating the value, the mortgage price is often calculated at the lowest price, so...if you don't even pay back such a low interest rate, the mortgage will be taken away by the bank, and the other party will have nothing to say. It can be said."

  Zhu Di frowned: "If so...wouldn't it be..."

   Zhu Di is an emperor after all, not a pure merchant. He is not good at arithmetic, so to understand Zhang Anshi's meaning at this time, he must have a high-speed brain.

  He said: "In this way, only those people who have land can borrow money, and those who don't have land, but the people who need to borrow money the most, just can't lend a penny?"

Zhang Anshi smiled: "Your Majesty, this is the most mysterious part of it. Your Majesty has heard of the words of Monk Zhu... Kongkong, right? The big families in those places have extremely high interest on the money they lend to ordinary people. The 30% to 50% is considered conscientious, and besides that, there are nine out of ten and thirteen returns, and donkeys rolling around. Has your Majesty ever thought about why they dare to demand such a high price?"

  Zhu Di remained silent, only staring at Zhang Anshi, waiting for Zhang Anshi's answer.

Zhang Anshi said: "I have asked people to investigate. Even in Liujia Village in Shangyuan County, there are two large households in this village, accounting for more than 50% of the land in the village, and there are seventy-three households, which are ordinary farmers. They all have some Susukida, ranging from more than a dozen acres to a few acres, and the rest are tenant farmers."

"These people are the most numerous, with more than 120 households. These 120-odd households hardly own any land, and most of them depend on the two big households for their livelihood. However, in times of disaster, ordinary farmers The food grown is not enough for myself, so I can only borrow from these two big families, and because these two big families are relatives for generations, the interest they lend is all negotiated."

"But it's different now. Now this bank can mortgage loans, which means that in this village, seventy-three ordinary peasant households can borrow silver to tide over the difficulties during the disaster year. And the interest of the big households It's frighteningly high, if they borrow more money, even if it's seven percent, or if they are unscrupulous, ten percent interest, it will be profitable to lend to those tenant farmers."

"Your Majesty, in the past, there were only two big families who could lend money and food, but now it's different. Now in a village, there are theoretically more than 70 families who can become potential borrowers, because they can borrow at cheap interest. , get the funds, so... In the end, those tenant farmers who don't even have land, although it is impossible for them to borrow money and grain from the bank, the number of people who borrow money and grain has increased by ten times or even a hundred times. There are still many people in the village who have money and food. In this way... what this big family can do is to reduce the interest rate to more than ten per cent, or even less than ten per cent, or... don't even think about borrowing a penny or a grain of rice. go out."

  Zhu Di suddenly realized: "So it is."

   "With these, I think... the land annexation can be greatly eased, besides..."

  Zhu Di looked at Zhang Anshi with piercing eyes, his eyes became brighter and brighter, and said in his mouth: "Besides this, what else?"

Zhang Anshidao: "In addition, with enough credit on the bank side, you can use it to spread to all states and counties in the world. I have even sent a group of people to conduct a pilot project in Annan. Not only that, but with this More funds can be used, and when the court encounters major events in the future, it can also borrow money from the bank to tide over the difficulties."

  Zhu Di was very surprised by what Zhang Anshi said later. He frowned and said, "Does the imperial court have to borrow money from the bank?"

Zhang Anshidao: "This is the rule. Your Majesty, have you ever thought about why the Daming Banknotes have finally become what they are today? The fundamental reason is that they are being issued indiscriminately. All the funds in this world do not come out of thin air. There is a source. So all lending and receiving, the money bank is essentially just a tool. If the tool is used well, it will benefit the country and the people, but if it is not restrained, the world will be in chaos."

"Furthermore, the money in this bank was lent to the imperial court. If the imperial court spends it indiscriminately, it does not mean that the bank opened by His Majesty borrowed from the subjects of the world, took the debt, and then gave it to the imperial court. The national treasury? In this way, the imperial court will benefit, and the common people and His Majesty will suffer.”

   At this moment, the essence of the matter was pointed out. Zhu Di was originally a visionary, and he agreed with it: "What you said is true, I didn't think about this joint."

  Zhang Anshi said again: "There is another advantage, that is, relying on deposits to get so much money, then Your Majesty... can use the bank as a tool to prepare for the issuance of new treasure notes in the future."

  Zhu Di stared at Zhang Anshi: "New treasure?"

  Zhang Anshi nodded: "Yes, it's just that the new treasure banknotes can no longer be issued by the treasure banknote department."

This Daming banknote is ridiculous to say, it was printed and issued by the treasure banknote department under the jurisdiction of the Twelve Prisons of the Inner Court. The scale of the depreciation is considered to be enough for Emperor Taizu Gao to have an iron fist. If it were any other emperor, something might happen within three years.

Under Zhu Di's expectant eyes, Zhang Anshi continued: "For the new banknotes to be issued, gold and silver must be used as reserves, that is, to ensure that the issued banknotes can be exchanged for gold and silver at the bank at any time. Only in this way, it Only then have the qualifications for circulation.”

  Zhu Di was thoughtful: "You draw up a charter, and I will take a closer look."

   After finishing speaking, Zhu Di laughed and said: "From this point of view, this bank really kills three birds with one stone, very good."

  Zhang Anshi thought in his heart that there is actually one more benefit, which he didn't mention.

  The emergence of formal banks, if it can be extended to the state capitals of the whole world, then the entire social form will undergo fundamental changes.

  In the past, Zhang Anshi never understood why the ancient landlords or gentry were unwilling to invest funds in production activities or other commercial activities.

   If it is said that it is just a simple merchant and lowly, this obviously does not make sense, because human nature is greedy and profitable, so no one makes a profit from this?

  Later generations always say that the sprouts of capitalism have appeared somewhere, but in fact, these sprouts will always be just sprouts, and towering trees will never grow no matter what.

   It wasn't until Zhang Anshi really came to this world and understood the situation of this era that he realized that all the impressions of his previous life had been completely overturned.

  People use exactly the way of thinking of later generations to think about the profits of landlords and gentry.

   think they are just relying on the sky, and the yield of agriculture is extremely low.

  In theory, yes, but how much money can you earn from farming?

  In reality, the vast majority of big landlords and big gentry do not rely on farming for profit at all.

  You think that they usually rely on that little crop land, but in fact...their profits far exceed the profits brought by business, and they can even guarantee their harvest in droughts and floods.

   There is a large amount of land in the family, which can provide a stable environment for the children to study. After studying, they will be tested for merit, even if they are not Jinshi, even if they are a scholar, they are already regarded as masters in their hometown.

   During the good years, you can hoard a large amount of food.

   And in the disaster year, a large number of more lands were purchased at ridiculously low prices.

   Not only that, but they can also monopolize the number of Baochang and Jiachang in the township and village. In this way, they have the privilege of collecting taxes on behalf of the county and deciding who will serve corvee.

   Lend a large amount of money and food every year, and the annual profit is at least 50%.

  What is the concept of 50%? That is ten taels of silver, you only need to lie at home, and after two or three years, you can get twenty taels of silver.

  By lending money and food, when disasters happen year after year, not only can you hoard goods, keep important food and cloth in your hands, and make more profits. It is through debt to control the displaced people in the famine.

On the surface, the decree prohibits keeping slaves, but when a person is about to starve to death, even if he doesn’t pay a cent, if you give him two bad meals a day, and let the other party work like an ox or a horse for you, he will kneel down and kowtow to you. You thank Dade.

  So in the traditional impression, landlords and gentry depend on the sky for their food, and agricultural profits are meager. In fact, this is an illusion. For farmers and tenant farmers, it is true.

   But for the gentry, in fact... what they have mastered is a profitable industry.

  This industry has high barriers to entry, guaranteed income during droughts and floods, amazing profits, and all kinds of invisible privileges in this township and county.

  Thus, throughout the ancient times, almost all people had the only goal of becoming a landlord, and then through wealth to train their children to become gentry, and after making profits, they desperately expanded the land with these money and food.

  Any dynasty is in the process of continuous land annexation by countless introverted gentry and clans until it perishes.

  As for any other production, it is not only time-consuming and labor-intensive, but also requires a lot of investment, and the profit may not be satisfactory, and it is also subject to discrimination. The so-called industrial and commercial activities are almost suppressed to a minimum.

  The so-called sprout derived from industry and commerce is just a joke. The sprout will always be the sprout, and it will never be possible to bear any fruit.

  Zhang Anshi is a man with a sense of morality.

  At least he knows that this road has reached a dead end, and the only thing he wants to change is to cut off the means for the gentry to make huge profits.

  The only way to cut off their huge profits is to return the land investment to where it should be.

  Then... During the Qin and Han Dynasties, those same scholars no longer regard annexation of land as everything, but people who regard meritorious service as a marquis will continue to emerge.

  They are no longer obsessed with land annexation, nor is it the end of their life to maintain the land system.

   "Your Majesty, everything is difficult at the beginning. I believe that the most urgent thing is to establish rules first. The interests involved in this bank are too great. A slight change may affect the national economy and people's livelihood!"

   "In addition to this, I also plan to set up a math school and recruit people to study. If this bank is to be spread out, it must have a large number of accountants. In addition... there is one more thing."

  Zhu Di said: "Go ahead."

  Zhang Anshi said again: "In addition to arithmetic, because it involves a lot of contracts and mortgages, and various bills, among them... a lot of lawyers are needed."

   "A litigator?" Zhu Di's eyebrows sank. This is actually a sensitive question.

  In ancient times, there was a customary rule, that is, the people did not raise officials but did not investigate, and the parents and officials were happy not to litigate, so that it seemed that they ruled Haiyan and Heqing.

  The local gentry enforced family law or family law, and did not want the government to interfere in rural disputes.

  As for the ministers in the court, of course they don't want disputes everywhere to affect this peaceful and prosperous world.

   As a result, the litigator has almost become the target of everyone shouting and beating!

  These people who are proficient in laws and regulations and write pleadings for others are not only looked down upon by others, but sometimes they offend their parents and officials, and they have to deal with them severely.

   Zhang Anshi obviously touched a more sensitive issue.

   Zhang Anshi looked at Zhu Di's hesitant look, and continued: "I plan to hold another legal order study class, recruiting people to learn the provisions of the legal order..."

  Zhu Di only said: "Is this necessary?"

Zhang Anshi said very seriously: "A large amount of gold and silver is involved, and there will inevitably be disputes. If the bank wants to be foolproof, it must have a large number of relevant personnel. Otherwise, it will be difficult to convince people. , who still trusts Qian Zhuang?"

  Zhu Di actually just paused this time, then nodded and said: "Since that's the case, I will grant it."

  Zhang Anshidao: "It's just... with the power of the minister, I'm afraid no one will come to learn."

  Zhu Di said: "Then what do you want?"

"Why don't you hang up my brother-in-law's signboard, say... the Royal School of Mathematical Sciences, or the Royal Law School? Your Majesty, anyone who can read and write, who dares to learn this, will be looked down upon by others." .”

  Zhu Di said coldly: "Didn't this fall on my head? You fool, you should call him the Donggong School of Mathematics and Laws."

   "Ah..." Zhang Anshi was stunned: "But...East Palace...Prince...is my brother-in-law, how can I harm him."

  Zhu Di's face twitched, faintly showing signs of a volcanic eruption.

   Don’t harm your brother-in-law, so come to harm him, the emperor?

Zhang Anshi looked at Zhu Di's increasingly gloomy face, and finally gave up, and finally changed his words: "Then why not call it Wenyuan Pavilion? Wenyuan Pavilion Mathematical School, and Wenyuan Pavilion Law School. This Wenyuan Pavilion, It is the object of admiration by scholars all over the world, and several Wenyuange Grand Scholars in the world are also admired by thousands of people, and they have been given this name..."

  Zhu Di said: "It's Wenyuan Pavilion. I've come to make a decree on this matter. I can't help but a few university scholars refuse to agree. You recruit people here and hang up the sign. It's considered raw rice and cooked rice."

  Zhang Anshi looked at Zhu Di, and the monarch and his ministers once again showed an extraordinary tacit understanding. Zhang Anshi immediately said: "Your Majesty's will, the minister's residence report will be sent out immediately, and the world will know."

  Zhu Di nodded: "Very good, let's do it like this. Hey...Zhang Anshi, Zhang Anshi, you guy...you are going to make a few great scholars suffer."

  Zhang Anshi thought to himself, what kind of talk is this, and who is responsible for it?

   It's just this pot, he recited it!

  So he said obediently: "If the university scholars blame me, I have to endure the humiliation for the sake of the bank and the country. It really won't work. I just need to be more careful when I go out in the future."

  After the two agreed happily, Zhu Di was very satisfied.

  A lot of silver...

  This bank has become a transfer station for gold and silver in the world, and the stakes in it need not be said.

   Immediately, he sighed: "It's no wonder that scholars all over the world are scolding me. If this bank comes out, and another Wenyuan Pavilion school comes, I'm afraid it will be uneasy again."

   This is what I said, as if without this, people would not call you Zhu Laosi. What kind of reputation do you think I don’t know?

  Of course, this is just what Zhang Anshi said in his heart. He tried his best to put on a sincere expression and said: "Your Majesty has worked so hard, I... I feel distressed when I look at it."

   As he spoke, he rubbed his eyes desperately, trying to wipe some water out, but it didn't.

   This point still needs to be learned from Zhu Zhanji. Although he is young, he is so proficient in this aspect that Zhang Anshi, an uncle, feels distressed.

  Zhu Di said: "Stop talking nonsense, I don't worry about being scolded, it's just... What I worry about is actually some people in this court."

   "Some people?" Zhang Anshi was taken aback: "These people His Majesty said..."

  It can't be him, can it?

  Zhu Di said lightly: "Jin Yiwei's secret performance..."

Zhu Di glanced at Zhang Anshi with deep meaning, and then continued: "Among the government and the public, there are people who are thinking about the past, hehe...if that's the only way, that's all. contacted."

   "Who should I contact?" Zhang Anshi was shocked.

  Zhu Di said: "Who are you talking about?"

  Zhang An Shidao: "Someone is so mad? Your Majesty, in this way, some people are really unreliable, but their relatives are more reliable."

  Zhu Di said coldly: "These people... secretly funded a lot of desert ordnance and the ironware they urgently needed. In addition, there are a lot of salt and tea!"

As he said that, Zhu Di sneered, mockingly, and continued: "I was surprised at first that in the past two or three years, in order to combat the remnants in the desert, I banned the exchange market, but those remnants in the desert can still Support, it turns out... there is an inside thief."

  Zhang Anshi understood Zhu Di's mood very well at this time, and it was difficult to calculate that the bad guys were people around him, so he said, "Has your Majesty found out who they are?"

   "I don't know much about it." Zhu Di said lightly: "This is a nail that someone stuck in my heart. If I don't pull it out, I will inevitably have trouble sleeping and eating!"

   "Besides... whether they will become successful or not is still unknown. If they are not dealt with in time, they will explode one day sooner or later. When I am here, I may still be able to maintain the situation, but one day, when I am gone?"

  Zhu Di is still very confident. He feels that as long as he and Qiu Fu and Zhu Neng are around, the remaining evils of Beiyuan will be swept away.

   But he didn't have much confidence in his descendants.

  People like Emperor Gao of Taizu also have grandsons like Jianwen. The world is peaceful and everything is fine. If there is any trouble, the Ming Dynasty may be over.

Zhang Anshi said: "Your Majesty... the minister heard this, and he couldn't sleep or eat. The minister and his brothers are all extremely smart. Everyone in the world knows that outsiders have given nicknames to the minister and brothers. Five Congs in the capital."

"They all said that the ministers are wise, born with vision, and have sharp eyes. Now there is a rebellious party. The ministers are willing to do the work of dogs and horses. Don't worry, as long as we take action, we will solve your majesty's worries and problems. Teach the rebellious ministers and thieves that there is nowhere to hide."

  Zhu Di glanced at Zhang Anshi with deep meaning: "Five congregants in the capital? Why is there no such thing in Jinyiwei's memorial?"

   "Maybe it's because Jinyiwei's work is not solid." Zhang Anshi looked away, rubbed his nose and said.

  Zhu Di said: "This matter, Ji Gang will handle it, so you can help me manage the money."

  Zhang An Shidao: "But... I am afraid that Jin Yiwei will not be able to handle it well. I don't know these things. Now that I know... If I don't pay attention, I... really feel uncomfortable."

Zhu Di put his hands behind his back, smiled and said, "Go get the files by yourself. I will say hello to Ji Gang. This is a Qin case, so don't mess around! And that... Qiu Song is also Wu Cong? Let this big Smart, don't meddle, I'm afraid he will blow up Nanjing City."

  Zhang Anshi: "..."

   After finishing talking, Zhu Di simply drove back to the palace.

  Although Zhu Di was a little displeased because he was nostalgic about the past, but now, he is happy to hear that the bank is making a lot of money.

  Happily returning to Wulou with hands behind their backs, Jiao Yishiha fetched some tea.

He took a sip and said, "Oh, yes, the weather is getting colder, I feel sorry for the senior scholars of Wenyuan Pavilion, and I will teach them to add some firewood to them, so as not to freeze my few bachelors. I have made great achievements through hard work, and I will remember it in my heart."

After finishing speaking, he picked up the ink brush, scribbled out a letter of imperial edict, handed it to Yi Shiha and said, "Take it to the supervisor of ceremonies, according to this meaning, to draw up an imperial edict, without going through Wenyuan Pavilion, directly send out."

  Yi Shiha respectfully said: "The servant obeys the order."

  ...

  Wenyuan Pavilion.

   Several bachelors sorted out the memorials.

   This Wenyuan Pavilion is actually the earliest cabinet system. After all, not every emperor is like Emperor Taizu Gao. After the prime minister was abolished, all memorials were handled by himself.

  Zhu Di's mind is on the military, and he has a headache when he looks at these memorials.

  It is obviously impossible to restore the prime minister system. With the precedent of Hu Weiyong, and Zhu Di claimed that he is the most admired son of Emperor Taizu Gao.

   Therefore, they simply ordered people to enter Wenyuan Pavilion and let them assist in the affairs of the world.

  Under normal circumstances, it is the memorabilia from various places. Let a few great scholars sort it out.

  The so-called ticket plan is like a memorandum, where the newspaper says where there is a drought, the scholar of Wenyuange draws up a sentence, "Design the Ministry of Households to allocate money and food to relieve the disaster, and then appoint a member of the Metropolitan Procuratorate to inspect the disaster." '.

  The memorial and the ticket are to be sent to the emperor. The emperor didn't need to think about how to deal with it. He just took a look at the proposals of the great scholars, and felt that the proposal was feasible. He just clicked a circle with a red pen and sent it to the supervisor of ceremonies to stamp the big seal, and then issued a decree to follow. carry out.

Therefore, although the Grand Scholars of Wenyuan Pavilion do not have the right to be a prime minister, they already have a part of the status of a prime minister, because theoretically, the emperor cannot deal with the mountains of memorials, and the affairs of the world are all drafted by votes. to decide.

  Even though the emperor has the power to deny the proposal, to deny it means that your emperor has to find another way, and come up with a more suitable method. As an emperor, it is better to be lazy and draw a circle to pull it down.

  Yi Shiha personally brought a few eunuchs with firewood, and naturally Xie Jin, Hu Guang, and Yang Rong came out of their respective public rooms to greet each other.

  Yi Shiha smiled and said: "Your Majesty is concerned about a few university scholars, so he specially asked the slaves to add some firewood to the adults."

   Xie Jin's face was full of red. He felt that the emperor should treat people like him courteously, and said quickly: "Your Majesty is lenient, and it's hard for me to report anything if I'm so utterly devastated."

  Hu Guang joked: "In this way, the old man's old cold legs will be saved."

  Everyone knew it was just a joke and laughed.

   Only Yang Rong had a smile on his face, but deep in his eyes, there was something unpredictable.

  This inadvertent expression may not be noticed by others, but Yi Shiha, who has always been the best at observing words and expressions, has a panoramic view. He didn't say anything, and after a few pleasantries, he left.

  Out of Wenyuan Pavilion, the **** behind him seemed to fawn on him and wanted to help him, but he lost it: "Grandpa, you...careful stepping..."

  Yi Shi laughed: "Okay, okay, we are still healthy and healthy, it looks like we are in our seventies and eighties, and we are going to Xiaoling to guard the mausoleum of Emperor Taizu Gao."

  The **** smiled apologetically, "Your servant's mouth..."

  Yi Shiha said: "That's right, I saw that Duke Yang is tired, His Majesty happened to give us some ginseng from North Korea. In a few days, help us send some to Duke Yang."

   "Scholar Yang Rong?"

  Yi Shiha nodded.

   "Grandpa, why bother to give something to Yang Rong? He should be filial to the Grandpa."

  Yi Shiha calmly said: "This person...is not simple...he is a person who is rarely seen in a hundred years."

  The little **** said: "Then Jie Gong and Hu Gong..."

Yi Shiha said: "Only send Yang Rong, we just want to let Yang Rong know that we only look up to him, the gift is not important, the important thing is the heart, if everyone gives it, no matter how expensive the gift is, In the eyes of people, it is worthless.”

  (end of this chapter)