Seeing Zhu Yuanzhang, he was already smiling from ear to ear.At this moment, the atmosphere of the main hall is no longer as serious as it was at the beginning, but has become as quiet as a classroom.Fang Xiaoru wrote extremely beautifully in block letters, and the handwriting fell on the paper, which was every sentence Su Xian had ever said.But it is different from Zhu Yuanzhang's "self-selling and boasting".At this moment, he was very upset, in his opinion, children should be innocent and innocent, but what Su Xian said, every sentence he said, he seemed to see a black-hearted veteran, wantonly trying to figure out people's hearts.If it weren't for many of them, you could see the "immature" sense of what he had just thought, and every time Su Xian said a paragraph, he would have to modify some of the information and change his tone again.Otherwise, he would really think that this is someone who is teaching him behind his back!
Zhu Yuanzhang, father and son, naturally didn't know what Fang Xiaoru was thinking.The former has been on the throne for many years, and his ruthlessness is only the appearance, and the black heart is the inside.But when he heard Su Xian's words, he almost subconsciously understood his intentions, and smiled more and more happily, feeling that this kid's immature words had opened up a new world for himself.is in these words, there is also a child's childlike innocence.It's all naïve and crooked!
I have to follow this meaning well, and on this basis, let the Confucians polish it!
He gave himself a heads-up.There are really two things to say, this is no longer a coincidence, but a black to white!
And Zhu Biao, who looks benevolent and virtuous, is the future saint in the hearts of hundreds of officials, but in fact he is also extremely black.At this moment, after hearing what Su Xian said, he also smiled and said: "What you just said is to ensure that this money shop" "The name of the money shop is a bit unpleasant, according to the most common among the people, it is called Qian Zhuang" Zhu Biao corrected it, and then said: "How do you ensure that this money shop can make money, instead of letting people exchange all the silver at the beginning?"
”"It's a deal!
It's not an exchange!
”Listening to Zhu Biao's words, there are still some things that can't be corrected.Su Xian solemnly declared."
In the future, the exchange of two words can only be Daming treasure banknotes, exchange for new banknotes!
That is, the treasure banknote lifts the treasury of the division and the only function. ”"It's not a deal!"
If you can't be here, change this concept, then the next thing is here, this is the first thing to say.Zhu Yuanzhang reacted immediately, and quickly nodded: "You said this well!"
We think so too. ”"This silver, it's cargo now!
Goods, as you said before, silk cloth is goods, and silver, like them, is also goods. ”"So goods can only be traded, and only coins can be exchanged!"
Several people nodded their heads one after another.That's exactly what it is!"
It's just that there are still some questions, you can ask them, our brains are very messy now!"
Zhu Yuanzhang looked around and felt that he still had to guarantee the majesty of the monarch.And Zhu Biao has been with him for so many years, and what the father and son want to do, almost needless to say to each other, they know.Sure enough, Zhu Biao just pondered for a moment.He threw out his own questions."
If you open a bank, how can you guarantee that it will make money?
And it won't be lost in this exchange?
”"And, I listen to you, is it a money bank that allows them to participate in the exchange privately?"
Zhu Biao is very perceptive.He easily sensed the meaning of what Su Xian said, as well as the consequences.In his opinion, if private control, especially gold and silver!
Although they are now saying that they will use "Daming Treasure Banknote and Hongwu Tongbao" as the only two coins.But the changes in the world are not something they can do without thinking or thinking.Gold and silver are the guarantee, and they can't give it all up.Of course, Su Xian knew what he was thinking, he slowly pointed at Zhu Xiongying, and then Chang Sen, Xu Yingxu and others."
So what I've been saying is to let the emperor's eldest grandson and them participate" "The imperial court doesn't have so much silver now, but the honorable ones do!"
”"They participate in it, and the annual profits can be shared by them, but this is nominally, although the emperor's eldest grandson is young, he is already wise, grateful for the grace of heaven, and knows that it is not easy for the people, in order to make up for the lack of treasure money.""
So inspiration from heaven to set up an official money bank to comfort the world!"
As soon as this remark came out.Zhu Biao and Zhu Yuanzhang both looked at Su Xian with very different expressions.Attaboy!
It's deliberate!
The eldest grandson of the emperor?
Why don't you call on the world and directly announce that you are the emperor's grandson?
But!
Very good!
Originally, Zhu Yuanzhang thought that the second generation of monarchs of the Ming Dynasty was Zhu Biao.After Zhu Biao is old, he will be our eldest grandson!
And at the moment.Zhu Xiongying saw everyone looking at him, and he didn't know what to say yet, but he just smiled.Zhu Yuanzhang couldn't help but laugh when he saw this."
It's for our grandson in advance, and all the belongings are done" "No wonder, you kid said that you want to play in the capital, in the Ming provinces, and even outside the territory, won't it be a joke?"
That's what you plan for the future, right?
”Zhu Yuanzhang asked with a smile, but at the same time, in his heart, it was incredible."
And how do you guarantee a profit?"
Zhu Biao asked again, this question is the real core.Otherwise, no one wants to come, isn't it pure fantasy?"
How does the money banker make money?"
Su Xian was a little stunned, is this really not knowing or not knowing to test me?
It seemed to see Su's stunned eyes.Zhu Biao said: "I know what you want to say, since it is a money shop, there were similar deposits and withdrawals and loans in the previous dynasty!"
”Even during the Northern Song Dynasty, the Qingmiao Law established by Wang Anshi was still similar to borrowing.However, the Qingmiao Law was initially implemented when Wang Anshi was the magistrate of the county, and it can be described as a remarkable political achievement!
The people's evaluation is also good, "But when he is a slaughterer, the Qingmiao Law has become a bad government!"
”"That's why this thing" "That's why I let you and Xungui participate in this thing, and at present, it is only implemented in the capital. ”Su Xian followed his words and said: "At present, the objects of access and lending are not the people who cultivate the land in the Qingmiao Law, but the merchants who walk in all directions!"
”"After all, compared to the people's wealth, small denominations of paper money are actually safer, as long as the government can guarantee its most basic value, there are few problems.""
The only ones who can really exchange a large area are the scholars and merchants!"
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What Su Xian said was not something very difficult to understand.Rather, in the afterlife, it is a common existence.But at present, just by relying on "access and borrowing", it is difficult for the Ming officials and even the nobles to participate in it.The reason is very simple, the current scale of Daming business is actually not large.Emperor Hongwu's various policies, most of the people were limited to one place, merchants could travel in all directions, but most of them were foot merchants who supported their families.The real wealthy businessmen are often associated with the wealthy gentry.So.Su Xian was ready to start from the other side.And in this regard, even if it is a noble who has never heard of it, as long as he hears it for the first time, he is estimated to be excited and participate in it.Not to mention, as the dominant royal."
Doing business in the two places, it is not easy to carry money, and the rich places in the southeast have their own silver shops and pawn shops, and these people provide silver tickets, and they can even support the two places to cash!""
This matter was already a common thing in the former Song Dynasty, and Jiaozi could even become an officially issued banknote that everyone trusted!""
The former Song can be, and so can the Ming Dynasty!""
This can be used as a weapon for the imperial court to provide to merchants.""
But I want to ask a question, how much can these private money shops in the private sector take a percentage of the silver ticket when they cash in it?"
It seems that he didn't expect Su Xian to ask this question.Zhu Biao thought for a while, and then immediately replied: "There are very few fixed commissions, half of them are to watch people cook, but the minimum is also 20% of the profit!"
Up to 50%!
Even all-you-can-eat them. ”"It all depends on the strength of both sides, the distance of the region, and even personal ability.""
I know that the merchants of the southeast will go to Shandong to trade with the grasslands, and after the two Song Dynasty and the former Yuan Dynasty, most of the silver in the market fell into the grasslands.Moreover, the herdsmen of the steppes do not recognize private silver tickets, but only silver or goods. ”"So, these merchants are either transporting goods to earn silver.Either it is to barter, or to buy cattle and sheep with silver, etc.""
Actually, now we are in the Ming Dynasty, there are very few such merchants, and there are even fewer private silver tickets, like a product of the former Song Dynasty" Zhu Biao smiled, the reason for all this is, of course, because the current Ming Dynasty is in ruins.Zhu Yuanzhang set up the four people, solidified the household registration, and restricted travel, in fact, all in order to restore the people's livelihood as soon as possible, compared with it, business is secondary.Today's Ming Dynasty suppresses business, but supports business.This is very contradictory.Zhu Yuanzhang believes that the businessmen are treacherous and cunning, and they can sell everything for personal gain, and most of them collude with the wealthy gentry clan to exploit the people.Therefore, in various aspects, it is degraded and restricted, and it is not allowed to take the imperial examination!
No silk!
Household registration determines everything, once it is confirmed as a business registration, it is difficult to turn over!
But on the other hand, he has several times to reduce the business tax.In order to make the market more prosperous, several measures to support businessmen have been introduced in a row.Governments at all levels should attach importance to merchants, unconditionally provide places for goods to be placed, and protect the property safety of deceased merchants.Wherever there is a word of advice in the world, regardless of businessmen and farmers, as long as it is beneficial to the country, you can boldly make suggestions!
It's paradoxical, but that's the status quo.Su Xian grew up in Daming, and he still understands this basic situation.He only paused slightly.Then he said: "In that case, then let's give it a try!"
”"In addition to the simplest deposit and loan, it can be regarded as the first major event for the bank to make a profit!"
As soon as these words came out, Zhu Yuanzhang and Zhu Biao were stunned.Su Xian continued: "Some time ago, Mr. said that the Ming Dynasty was going to use troops against Tubo?
”This is not a secret, and now the people in the entire capital know about it, because Deng Yu, Mu Ying and others have already raised troops.Zhu Yuanzhang was very sure of this battle, and it was a good time to publicize the victory of the Ming army.He has been haunted by the failure of the last Northern Expedition.Therefore, they are also continuing to plan, as long as there is a victory, they must publicize and dilute the blow of the failure of Hongwu's five-year Northern Expedition.Seeing that the two of them nodded, Su Xian continued to pay attention."
Tibet is located in the land of the west, with a vast area, sparsely populated, and many cattle and sheep.After the big victory, the use of troops to suppress is not a long-term solution, it is better to take this opportunity to trade with it. ”"And this money bank can just come in handy.""
First set up in the capital, and then set up a money bank in Ningxia.There are many rich households in the capital, so take this opportunity to promote treasure money among these rich households first!
”"Even treasure banknotes are no longer limited to the size of the face value, and can be customized for merchants to customize the deposit banknotes!""
Whether it's a private money shop or a pawn shop, they charge 30% or 50% of the profits!""
The official bank, one should charge a fixed profit, according to the money they save, it is always fine, five hundred wen is better, or even no profit is charged!"
As soon as the words fell.Zhu Yuanzhang was stunned, "How can this be?"
Others charge so much, let's only charge a fixed amount?
Not even collected?
”"How can't this be?"
Su Xian continued."
Don't forget the original purpose, not to make money, but to promote treasure money!""
Once it's implemented, what's the profit?"
Su Xian raised his small hand, "How many will you have when the time comes!"
”"Even this move can be carried out in Tibet!""
Zhuyi was defeated, its own strong army suppressed it, and the herdsmen were weak, so let them know the convenience of treasure money!""
What I can't forcibly implement in the Ming Dynasty, but it can be tried in Tubo, we need to make profits at the beginning, so that the herdsmen in Tubo will also taste the sweetness of my Daming treasure banknotes, and tell them that they can buy goods with the same silver, and they can use the same treasure money to buy a little more.""
It doesn't take much, just a little, and there are even small giveaways that use treasure money.Advocacy, preferential treatment, and strong pressure at the same time!
”"In order to ensure safety, you can also set up a military town, specialize in trading goods, and protect the smooth channels, as long as the herdsmen in Tibet are familiar with the process, they can come and go" "As long as it succeeds!"
”"The success of the money bank, this is one of them, this is still the smallest win!""
The biggest win" "That is, within ten years, as long as the treasure money is stable, the land of Tibet, its resources can also be fully controlled!"
”Su Xian clenched his fists, he was here before, and he bragged a lot of bulls.He also said that he wanted to play their Three Kingdoms banknotes to the provinces of Daming and outside the territory.At that time, anyone who heard it would smile, this kid would only brag.But now!
Zhu Yuanzhang and Zhu Biao looked at each other, and even Song Lian pulled his beard, and his heart was beating in shock.Because they suddenly found out.This kid isn't bragging at all!
But I saw this moment.Su Xian's words were not finished, but continued to make a loud noise, he didn't seem to be saying it to Zhu Yuanzhang.On the contrary, it seems to be giving, said the friends who played the "Three Kingdoms Banknotes"."
At that time, that merchant will also be a sharp weapon!""
Our piece of paper is not enough to hold up gold and silver, but enough to hold up the entire Tibetan!""
At that time, why worry about Tibet?""
There is a strong army!""
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With the treasure money, I can reach an army of millions!"
End of chapter