Chapter 162 – Chapter 162: Jane in the Heart of the Emperor

Silver …… countless silver ……

Zhu finally understood the significance of this money bank.

He took a deep breath as countless thoughts swept through his mind.

If this matter could come to fruition, this could be far more meaningful than earning a million taels of silver.

Just ……

Zhu Di gazed at Zhang Anshi and said, “In the middle is a three percent spread, three percent is certainly not much, but I am thinking, those who borrowed the money bank silver, if they can not pay back, what to do?”

For this problem, Zhang Anshi since also thought of a long time ago, then said: “This is easy, so borrowing, have collateral, now acceptable, is the field, land, mansion. In the future, I will also find a way to expand some new collateral out. So …… no matter what, the money bank will not lose money.”

Zhu was surprised, “Collateral? Land?”

Zhang Anshi said, “Yes, and in the valuation, often the price of this collateral is calculated at the lowest price, so …… if even such a low interest rate is not paid back, this collateral is taken by the money changer, the other party also has nothing to say.”

Zhu Di frowned: “If this is the case wouldn’t …… it be ……”

After all, Zhu Di was an emperor, not a pure merchant, and he was not good at arithmetic, so at this point, to understand Zhang Anshi’s meaning, he had to have his brain running at high speed.

He said, “In that case, only those people who have land can borrow money, and those who do not have land, on the contrary, are the people most in need of borrowing money, and precisely not a penny can be borrowed?”

Zhang Anshi smiled, ”Your Majesty, this is the most subtle part of it. Zhu …… Kongkong monk s words, your majesty has heard of it, right? Those local big families, the interest rate of money lent to ordinary people is extremely high, letting an extra 30% or 50% to be paid back in a year is considered conscientious, on top of that, there are nine out of thirteen returns, and there are donkey rolls. Has Your Majesty ever wondered why they dare to ask for such high prices?”

Zhu Di was silent and only looked at Zhang Anshi fixedly, waiting for Zhang Anshi’s answer.

Zhang Anshi said, “I have people to visit, even if the Shangyuan County’s Liu Village, this village has two large families, accounting for almost more than fifty percent of the village’s land, and seventy-three families, is an ordinary farmers, their families have some thin fields, more than a dozen acres, less than a few acres, and the rest is sharecroppers.”

“These people are the largest number, there are more than one hundred and twenty households, this more than one hundred and twenty households, almost no property, the vast majority of them are dependent on the two large households for their livelihood, but wherever there is a disaster year, the ordinary farmers grow out of the food, they eat are not enough, can only be to the two large households to sue for borrowing, and the two large households, but also because of each other for generations for the in-laws, the interest rate they lent out, is negotiated. The interest rates they lend are all negotiated.”

“But now it’s different, nowadays, this money bank, can be collateralized to borrow, it means, this village, seventy-three unusual farmers, in the disaster year can borrow silver, can tide over the difficulties. And the interest rate of that big household is frighteningly high, and it would be profitable for them to lend more money, even at seven percent, or more black-heartedly, at ten percent, to those sharecroppers.”

“Your Majesty, once upon a time, those who could lend money and grain were only two large families, but now it’s different, now a village, theoretically there will be more than seventy families, can be a potential borrower, because they can be cheap interest, get the money, and thus …… eventually, those who don’t even have a land Sharecroppers, they certainly not possible in the money bank lending money and food to, but the object of borrowing money and food has increased tenfold or even a hundredfold, this interest rate is high, the neighboring villages there are many people who have money and food it, so that …… this big family can do, either the interest rate will be lowered to more than ten percent, or even ten percent below, either …. … on a penny a grain of rice also do not want to lend out.”

Zhu came to a realization, “So that’s how it is.”

“With these, I thought …… could greatly alleviate land annexation, among other things ……”

Zhu Di gazed at Zhang Anshi, his eyes appearing brighter and brighter as he mouthed, “Other than that, what else is there?”

Zhang Anshi said: ”In addition to this, the money bank side, with enough credit, can be used to spread to all the states and counties in the world. I have even sent a group of people to Annan to conduct a pilot program. Not only that, with so much money to call upon, when the court encounters a major event in the future, it can also borrow from the money bank to tide over the difficulties.”

Zhu Di looked very surprised by Zhang Anshi’s words behind this and frowned, “The imperial court has to borrow money from the money changers even when they are doing things?”

Zhang Anshi said: “This is the rule, your majesty has ever wondered why the Da Ming treasure banknotes eventually fell into the present situation? The fundamental reason lies in the indiscriminate issuance. All funds under the sky do not come out of thin air, it has a source. So all the lending and organizing, the money changer is essentially just a tool. When the tool is used well, it benefits the country and the people, while once there is no moderation, the world must be in chaos.”

“Furthermore, this money bank’s money, lent to the court, if the court spends it haphazardly, isn’t it still tantamount to your majesty opening this money bank, borrowing from the subjects in the world, carrying the debt, and then giving it to the treasury? In that case, it is the court that benefits, and it is the people of the world and Your Majesty who suffer.”

This moment, the essence of things point out, Zhu Di is a visionary person, very agreeable to say: “What is said is very true, I actually did not think through this joint.”

Zhang Anshi added: “There is another benefit, that is, relying on the absorption of reserves, got so much money, then your majesty …… can use the money bank as a tool to prepare for the future of the issuance of new treasury bills.”

Zhu Di gazed at Zhang Anshi, “New Treasure Notes?”

Zhang Anshi nodded his head, “Yes, it’s just that this new Treasure Banknote, however, can no longer be distributed by the Treasure Banknote Division.”

This Da Ming treasure banknote is ridiculous, is the inner court under the jurisdiction of twelve supervisors treasure banknote division to issue, a group of eunuchs, their own hair to play, take out to circulate, to be honest, Da Ming treasure banknote can adhere to the end of Hongwu began to depreciate on a large scale, has been regarded as the emperor of the high emperor of the great ancestor is enough iron fist. Do other emperors, I’m afraid not out of three years to be in trouble.

Under Zhu Di’s expectant gaze, Zhang Anshi went on to say, “The new treasure banknote issuance must have gold and silver as its reserve, that is to say, it must ensure that the banknotes issued can be exchanged for gold and silver at the money changers at any time. Only in this way, it has the qualification of circulation.”

Zhu Di thoughtfully: “You draw up a charter to, I look at it in detail.”

After saying that, Zhu Di then smiled broadly and said, “In this way, this money bank is really a good three birds with one stone.”

Zhang Anshi, however, thought in his heart that there was actually another greatest benefit that he had not said yet.

The emergence of formal money changers, if it can really be extended to the whole world state capitals, then the whole social pattern, will be fundamentally changed.

Once upon a time, Zhang Anshi had never been able to figure out why ancient landowners or squires were reluctant to invest their capital in productive activities, or other commercial activities.

It obviously does not make sense to say that it is simply the merchants who are lowly, because human nature is inherently greedy and profitable, and is there no one who profits from this?

In later times, it is always said that the sprout of capitalism has appeared wherever and wherever, but in reality, this sprout is always just a sprout, and no matter what, it can never grow into a big tree.

It wasn’t until Zhang Anshi actually came to this world and understood the situation of this era that he realized that all the impressions he had in his last life were all turned upside down.

People think about the profitability of landowners and squires in precisely the same way that later generations think about things.

The belief is that they are just living off the land and that the yield from agriculture is extremely low.

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

In actuality, the vast majority of large landowners and squires don’t actually rely on farming for profit at all.

You think they are suffering on weekdays to rely on that bit of crop land, in fact …… their profits, in fact, far beyond the profits brought by business, and also drought and flood.

The family has a large amount of land, it can provide a stable environment for the children to study, after studying, the examination, even if the examination is not a scholar, even if it is a scholar, in the township, in fact, has been considered to be a person of high standing.

In good years, food can be hoarded in large quantities.

And in a disaster year, there is a massive acquisition of more land at ridiculously low prices.

Not only that, but they could also monopolize the quota of bailiffs and chiefs in their own townships and villages, and in this way, they had the privilege of levying taxes on behalf of the county and deciding who should serve in the corv茅e.

Lending money and grain out in large quantities every year, the profit for the year, at least, is more than fifty percent.

What’s the concept of 50%? That’s ten taels of silver. All you have to do is lie at home, and after two or three years, you’ll get twenty taels of silver.

By lending money and grain and waiting until the time of successive years of catastrophes, not only can you hoard and keep the important grain and cloth in your hands and make more profiteering besides. More so, through debt, they could control the people who were displaced in the disaster.

On the surface, the decree can not store slaves, but in the people to starve to death, even if not a penny, to give him two rancid meals a day, so that the other side for you as a cow as a horse, people will be on their knees to kowtow to you, thankful to you.

So the traditional impression that landowners and gentry are living off the land and that agriculture is marginally profitable is in fact simply false, and it is true for farmers and tenant farmers.

But to the squires, in fact …… what they have at their disposal is a profitable business.

The industry has high barriers to entry, is dry and incredibly profitable, and has all sorts of invisible privileges in our townships and counties.

Therefore, throughout ancient times, almost all people, the only goal is to become a landlord, and then through the wealth to cultivate children, become a scholar-gentry, and then after making profits, desperately expand the land with these money and grain.

Any dynasty was in the process of continuous land annexation by countless inwardly rolled gentry and lineages until its demise.

As for any other production, it is not only time-consuming and laborious, but also requires a lot of inputs, and the profits may not be as good as expected, and it also suffers from discrimination, so that the so-called industrial and commercial activities are almost minimized.

The so-called sprout derived from commerce and industry is nothing but a joke; a sprout is always a sprout and can never bear any fruit.

Zhang Anshi is a man with a sense of morality.

At least he knows that this road has come to a dead end, want to change, the only thing to do, is to cut off the means of profiteering of the squire.

Only by chopping off their profiteering one by one, will the investment in land, return to where it belongs.

Then …… during the Qin and Han Dynasties, those same readers, who no longer regarded the annexation of land as everything, but rather as the ideal of making a success of the feudal lords, were the ones who continued to emerge.

They are no longer wedded to the annexation of land, nor is it the end of their lives to defend the land system, but they are harboring lofty ideals rather than hiding in a desperate inward spiral on a single acre of land.

“Your Majesty, everything is difficult at the beginning, I thought that the first thing to do is to set up rules, the interests involved in this money bank are too big, the slightest change may affect the country’s economy and people’s livelihood!”

“In addition, the minister side, but also intends to set up an arithmetic school, recruiting people to learn, this money bank to spread, there must be a large number of accountants, in addition …… to another matter.”

Zhu said, “Go ahead.”

Zhang Anshi then added: “In addition to arithmetic, because it involves a large number of deeds as well as mortgages, as well as a variety of bills, which …… also requires a large number of litigators.”

“Litigator?” Zhu’s eyebrows sank, this was actually a sensitive issue.

In ancient times, there is a customary rule, that is, the people do not report officials do not investigate, the parents of the officials are happy to have no lawsuit, so as to appear to be under their own rule of the sea and the river is clear.

The local gentry, on the other hand, enforced family or clan laws and were reluctant to allow the government to interfere in disputes in the countryside.

As for the ministers in the court, they certainly do not want disputes everywhere to affect this peaceful world.

As a result, litigators have become the target of almost everyone’s criticisms!

These people who are well versed in the provisions of the law and order and write pleadings for people are not only looked down upon, but sometimes they mess with their parents and officials, and they have to be severely punished.

This guy, Zhang Anshi, has obviously touched on a more sensitive issue again.

Zhang Anshi looked at Zhu Di’s hesitant expression and continued, “I intend to organize another law study class to recruit people to learn the provisions of the law ……”

Zhu only said, “Is that necessary?”

Zhang Anshi said very seriously, “When a large amount of gold and silver is involved, it is inevitable that there will be disputes, and if the money changers want to be foolproof, they must have a large number of relevant personnel, if not, it is difficult to convince people, and once they cannot be convinced, who will still believe in the money changers?”

Zhu Di this time actually just pause for a moment, then nodded: “In that case, I will be authorized.”

Zhang Anshi said, “Just …… with the power of the minister, I am afraid that no one is willing to learn. ”

Zhu said, “What do you want then?”

“Why don t we just hang my sister in law s signboard, and say …… Royal Arithmetic Academy, or Royal Law and Order Academy? Your Majesty, but anyone who can read and write, who dares to learn this ah, learn this to be looked down upon.”

Zhu Di coldly said, “Is this not planted on my head? You confused, into his mother, called the East Palace arithmetic and law school.”

“Ah ……” Zhang Anshi froze: “But …… the Eastern Palace …… Crown Prince …… is my brother-in-law ah, how can I harm him.”

Zhu Di’s face twitched, vaguely showing signs of a volcanic eruption.

You don’t want to harm your brother-in-law, so you’ve come to harm him as the Emperor?

Zhang Anshi looked at Zhu Di more and more sunken face, finally or goat, finally or change the mouth: “then why not call Wen Yuan Pavilion, how? Wen Yuan Ge arithmetic school, and Wen Yuan Ge law school. This Wen Yuan Pavilion, is the world’s readers admire the object, when the world’s several Wen Yuan Pavilion university professor, also for the respect of all people, crowned this name ……”

Zhu Di said: “on the Wen Yuan Pavilion, this matter, I come under the decree, by a few university professors do not agree, you this side of the recruitment of personnel, sign hanging out, is considered to be raw rice cooked rice.”

Zhang Anshi looked at Zhu Di, once again, the monarch and the minister played a superb tacit understanding, Zhang Anshi immediately said, “As soon as Your Majesty’s decree is issued, the Di Di Di on my side will immediately be sent out to teach the whole world to be aware of it.”

Zhu Di nodded: “Very good, so do it. Hey …… Zhang Anshi ah Zhang Anshi, you this guy …… can make a few university professors suffer.”

Zhang Anshi wanted to say in his heart, what kind of words are these, who is actually harmed?

It’s just that the pot is on his back!

So he obediently said, “If the university scholars blame, I have to bear the humiliation for the sake of the money bank, for the sake of the countryside and the countryside, I have no choice but to bear the humiliation. It really can’t be done, I’ll just be more careful when I go out in the future.”

After the two agreed happily, Zhu was satisfied.

Lots of silver ……

This money changer has become a transit point for the world’s gold and silver, and there is no need to talk about the stakes.

Then, he sighed: “No wonder the readers in this world are cursing me, this money bank out, and then a Wen Yuan Ge Academy, I’m afraid that it will not be peaceful again.”

This is said as if without this, people will not scold you Zhu Laoshi, what is your reputation when I do not know?

Of course, this is only what Zhang Anshi said in his heart, he tried to put on a sincere expression and said, “Your Majesty is too hard, Chen …… Chen looked at the heartache.”

Said the man, desperately rubbing up his eyes in an attempt to rub some water out of them, however it didn’t.

This point, or need to learn from Zhu Zhanji ah, although he is young, this aspect is so skillful that Zhang Anshi as an uncle’s heartache.

Zhu Di said, “You say less of these bird words, I am not worried about being scolded a few times, just …… what I am worried about is actually some people in this dynasty.”

“Some people?” Zhang Anshi froze, “These people that Your Majesty is talking about ……”

It can’t be him, can it?

Zhu Di faintly said, “Jin Yiwei secret message ……”

Zhu Di don’t have deep meaning to look at Zhang Anshi, only then said: “The dynasty and field, some people think of the former dynasty, huh ……… if only so, it’s just, but these people have embraced the group together, and even … . there are already people …… secretly contacting them.”

“Liaise with whom?” Zhang Anshi was alarmed.

Zhu said, “Who do you think it is?”

Zhang Anshi said, “How could someone be so heartless? Your Majesty, in that case, some people really can’t be relied on, or their own relatives can be relied on.”

Zhu Di coldly said, “These people …… secretly funded a lot of desert armaments and their much needed iron, in addition to a large amount of salt and tea!”

Said, Zhu Di hooked up a cold smile, smile is very mocking, then said: “I have also strange, these two or three years, I in order to combat the desert in the remnants of the ban on the mutual market, but the desert those remnants of the party, can still support, the original …… is an inside thief.”

Zhang Anshi understands Zhu Di’s mood at this time, a thousand calculations, it is difficult to calculate that the bad guys are actually the people around him, so he said, “Your Majesty has found out what people are?”

“The knowledge is not known.” Zhu Di faintly said, “This is a nail that someone has stuck in my heart, without pulling it out, it will be difficult to avoid sleep and food!”

“And …… they in the end there is no climate, it is not yet known, if not disposed of early, sooner or later one day will be seized out, I’m in the time, perhaps can barely maintain the situation, but one day, I’m not there?”

Zhu Di is still very confident, thinking that the district remnants, as long as he and Qiu Fu, Zhu Neng these people in, what bullshit North Yuan remnants, sweep is.

But he didn’t have much faith in his children and grandchildren.

Taizu Gao emperor such a person, not also have Jianwen like grandson, the world peace and quiet okay, a little what the wind blowing, this Ming may be finished.

Zhang Anshi said: “Your Majesty …… Chen listened to these, but also sleep and eat difficult, I and several brothers, each is extremely smart, which the world know, the outside world to my brothers several people, gifted nicknames, called the capital five Cong.”

“They all said that I and a few other ministers have been wise since childhood, born with visions and fiery eyes, now that there is even a rebellious party, I and a few other ministers are willing to do the work of a dog and horse, Your Majesty, rest assured that as long as a few of us take action, we will definitely share Your Majesty’s worries and solve your problems, and teach that rebellious party to have nothing to hide.”

Zhu Di glanced at Zhang Anshi in a different way, “Five Cong in the capital? How come this isn’t in the Jinyiwei’s report?”

“It’s probably because the work of the Brocade Guards is not done solidly.” Zhang Anshi’s eyes looked away and touched his nose.

Zhu Di said, “In this matter, there is Ji Gang to do, you guys just help me manage the silver.”

Zhang Anshi said: “But …… I’m afraid that the Jinyiwei can’t do well, I don’t know these things then, now both know …… if I don’t pay attention to it, I… … is really intended to be difficult ah.”

Zhu Di back hand, smiled and said: “You go to fetch the dossier by yourself, Ji Gang side, I will greet, this is the Chin case, do not fool around! There is that …… Qiu Song guy is also five Cong? Let this big smart, don’t come to mix, I’m afraid he’ll blow up Nanking.”

Zhang Anshi: “……”

After finishing things, Zhu Di simply swung back to the palace.

Although it is because of thinking about the former dynasty, let Zhu Di some displeasure, but right now, heard that the money bank big profit, he is happy.

With his hands behind his back, he happily returned to the martial arts building and taught Yizhiha to fetch tea.

He took a sip, then said: “Oh, right, this day is getting cold, I feel sorry for a few Wen Yuan Pavilion of the university professors, teach people to add a little firewood to them to go, do not freeze a few of my bachelor. They have labored hard, I have remembered in my heart.”

Said, then lifted the Zhu Pen, brush sketch a letter in the decree, handed to also lost Ha Road: “Take to the Division, according to this meaning, draft a decree, do not have to go through the Wen Yuan Pavilion, directly sent.”

Yiluoha respectfully said, “The slave girl obeys the decree.”

…………

Wen Yuan Ge.

Several university scholars each combed through the sangha.

This Wen Yuan Ge, in fact, is the earliest Cabinet system, after all, not every emperor, like Emperor Taizu Gao, after the abolition of the prime minister, all the zhangzhi are their own personal to deal with.

Zhu Di’s mind is on the military, looking at these zhangzhi headache.

But the restoration of the system of prime ministers, obviously impossible, with the precedent of Hu Weiyong, coupled with Zhu Di claimed to be the most appreciated son of Emperor Tai Zu Gao, inherited the ancestral law of Emperor Tai Zu Gao, will never waver.

Therefore, it was simply ordered to enter the Wen Yuan Pavilion, so that they could co-manage the affairs of the world.

Generally, it is around the zhongshi, let a few university scholar to organize, after finishing, and then in this zhongshi under the head, according to their own ideas, approved on their own vote proposed.

The so-called ticket to draw up, that is, such as a zazhou, reported that where the drought occurred, Wen Yuange University scholar will draw up a sentence ‘when ordering the Ministry of households to allocate money and food relief disaster, and then commissioned by the Imperial Household Inspectorate Imperial Historian, went to inspect the disaster.’ .

After this rustic and ticket to the emperor side. The emperor does not need to think about how to deal with it, directly look at the votes of the university professors, think this vote is feasible, directly Zhu Pen point a circle, send the Secretary to cover the seal, and then issued a decree in accordance with the implementation.

Therefore, although the Wen Yuan Pavilion university scholar does not have the power of the prime minister, in fact, has been a part of the reality of the prime minister, because theoretically, the emperor is no way to deal with the mountains piled up zhangzhi, the world’s affairs, completely by the vote to decide.

Although the emperor has the power to negate the vote, but the negation means that you emperor has to think of another way to come up with a more suitable method, as the emperor, it would be better to be lazy and draw a circle to pull down.

Yiluoha personally brought a few eunuchs to hold the firewood, naturally let Xie Jin, Hu Guang and Yang Rong busy from their respective public rooms out to exchange pleasantries.

Yiluoha said with a smile, “His Majesty’s heart was thinking of the several university scholars, so he especially taught the slave girl to come and add some fuel wood for the adults.”

Xie Jin was red in the face, he felt that the emperor should be courteous to people like him, and hastened to say, “Your Majesty’s generosity, I and other liver and brain, but also difficult to repay a thousand times.”

Hu Guang joked, “In that case, this old cold leg of mine will be saved.”

The crowd laughed knowing it was just a joke.

Only Yang Rong was smiling on his face, but deep under his eyes, there was something difficult to gauge.

This unconscious expression, others may not be able to detect, but has always known the most know how to read the words and colors of the also lost Ha is in the eyes, he did not say anything, and a few words of pleasantries, this is to leave.

Out of the Wen Yuan Pavilion, the eunuchs at the back of the bashful to help also lost ha: “The Grand Eunuch, you …… careful feet ……”

Also lost ha laughed: “Well, well, we are still healthy it, but it is like we are seventy years old, to go to the Xiaoling mausoleum to the emperor Taizu high mausoleum guard like.”

The eunuch compensated with a smile, “Slave girl this mouth ……”

Yiluoha said, “Right, I see that Yang Gong is tired, and His Majesty happened to give us some ginseng from Joseon, so in a few days, help us send some to Yang Gong.”

“Maester Young Wing?”

Also lose the ha nod.

“Grand Eunuch, why bother giving something to that Yang Rong? It’s his turn to honor the Grand Duke.”

Also lost ha air calmly said, “This person …… is not simple …… is a character that is difficult to see in a hundred years.”

That little eunuch said, “Then Lord Xie and Lord Hu ……”

Yilunha said: “only send Yang Rong, we want to let Yang Rong know, we only see him, gift this thing, light and heavy is not important, the important thing is the heart, if everyone sends, even if the gift is more expensive, in the eyes of the people, is also not worth money.”