I am the king of the dead

Chapter 478 Your Majesty doesn't like making money, only likes...

"How?" Hu Jin asked with some doubts.

Bitterness and bitterness are powerful and powerful, and bitterness and bitterness are wealthy businessmen. When His Majesty returned from Nanya, it became a common narrative method for the Ming emperor and court.

The minting of silver coins in the Ming Dynasty was a ditch, a struggle and balance of the imperial court.

Daming, and even the entire Central Plains Dynasty have been in a state of money shortage for a long time. His Majesty finally thought of a way, and greatly alleviated the ills caused by the money shortage.

But what did Nan Ya's powerful and powerful man do?

They are resisting, they even want to let His Majesty taste the power, and then they take advantage of the cold wave in Nanya to urgently need coal, making a big fuss.

If it wasn't for His Majesty's methods and means, they might have done it.

The purpose of silver coins and Jingtai Tongbao is to speed up the exchange of goods between the north and the south of Ming Dynasty and adjust the uneven distribution of resources.

It is even a major issue of imperial power and the authority of Beijing officials directly under the emperor's jurisdiction.

Therefore, it is a very common way of narrative that it is hard to be rich and rich.

Zhu Qiyu thought about it for a long time and said: ""Salt and Iron Theory" says: Although the field is taxed at [-] yuan, in addition to the task of changing the corvee by oral tax, the work of one person will be divided among the merits."

"Farmers know what they get, or borrow money to benefit from it. It is because the people work hard, and the hunger and cold will affect themselves."

The tax system of the Han Dynasty was one for thirty, but with the addition of corvee, apportionment, and private begging, the actual tax rate was as high as [-]% for one person's labor.

Although the people worked hard in farming, they were hungry and cold and could not satisfy themselves.

Once the people's labor remuneration cannot satisfy them, the phenomenon of abandoning and throwing babies will become the norm in society.

Once the population withers, everything stops.

There are many financial indexes to measure human happiness, the gap between rich and poor, etc. In fact, in Zhu Qiyu's view, the most critical index is whether the population starts to decline.

The decline of national power can be reflected intuitively from the population.

"Does Your Majesty want to increase taxes?" Hu Wei asked with a frown.

This tax increase is not a trivial matter, he is afraid that His Majesty will suddenly stride out.

This is not a problem that washing the floor can solve.

Zhu Qiyu shook his head and said: "If I add one cent of tax to them here, they will dare to increase it ten times, a hundred times, a thousand times on the people's heads!"

"In the four years of orthodoxy, Yu Shaobao governor Shanxi once played a performance. Shanxi transports tax and food to Datong, Xuanfu, and Piantouguan every year. The road fee costs six or seven stones to one stone."

Zhu Qiyu doesn't plan to increase the tax. He has already collected more than [-]% of the seigniorage tax.

He took out a memorial and said: "Li Xian and the others are already ahead of the curve, and they plan to levy an inheritance tax of [-] in [-]."

"If you want to transfer real estate, ship certificates and other physical objects under your name to your child's name, you need to pay one-twentieth of the inheritance tax."

"This part of the tax can be exempted, such as repairing the Confucian school in the health center, building government schools in prefectures and counties, donating to the Nursing Home and Shefan Temple, etc."

Inheritance tax is a method used by Li Xian, a powerful gravedigger. The object of collection is the wealthy family with fixed assets of more than [-] silver coins.

Hu Wei shook his head after watching for a long time and said: "They can use various means, such as rushing to buy real estate, ship certificates, acres of land, shops, etc., and then inherit with liquid assets. The imperial court has no ability to control the flow of assets."

"Therefore, the inheritance tax has no chance of being successfully collected at all."

"In the Great Qin State, there was a tribune for life, the Grand Marshal, and the sacred and great Octavian, who once enacted a similar law, which is also similar to the one-twentieth inheritance tax, called the "Urus Law" , but it simply cannot be enforced.”

"Because after the implementation, it was soon discovered that many wealthy people have turned their property into liquid assets, and then avoided taxes."

Octavian's full name is: Gavis Octavian Augustus, in which Augustus means sacred and great, which was bestowed by the Roman Senate.

Zhu Qiyu said with a smile: "So Li Xian felt that he had found a good method, so he played it. As for whether it can be implemented, it still needs to be discussed. I will not publish it, and discuss it later."

Hu Wei breathed a sigh of relief, His Majesty did not intend to increase taxes, he knew the disaster of tax increases, and tax increases need to be more cautious.

"Then your majesty doesn't plan to increase taxes, what are you going to do?" Hu Wei said with a strange expression.

Zhu Qiyu took out a ticket with a smile and handed it to Hu Yan and said with a smile: "Sun Bingfu, do you still have any impression of Hu Shangshu?"

"Yes, the head of the Baoyuan Bureau has been caught by His Majesty himself." Hu Wei said immediately.

Zhu Qiyu said with a smile: "Baoyuan Bureau has an additional function, you can save currency in Baoyuan Bureau, and then you can receive tickets and receive silver by ticket."

Ma Huan, the manager of Tongshitang, Tongshi, and Nikolaoz's translator, was the one who took [-] silver coins from Zhu Qiyu to supervise the Tongshitang.

Because the Sixth Ministry, the Metropolitan Procuratorate, and Wenyuan Pavilion all expressed their support for Kaihai, Tongshitang opened smoothly and will start recruiting students next year.

What Ma Huan took away was the ticket from the internal storage warehouse. With steel printing ink and cotton woven paper, he could take away [-] silver coins from the internal storage warehouse, and he could pick it up as he needed it.

Hu Wei shook his head and said, "How is this possible? How could they put their silver coins in the Baoyuan Bureau to exchange for a silver ticket?"

Zhu Qiyu smiled and said: "You have never seen the face of a money-grubbing person. If you hold silver coins in your hand, you are afraid of flying, and if you hold them in your mouth, you are afraid of melting. If you bury them in the soil, you have to dig them out five or six times a year, and count the number." , for fear of being stolen."

"Always put the silver coins in the red silk bag and keep it close to your body."

The fifth year of Jingtai was not peaceful. Bandits were rampant. The banner that bandits often used was to rob the rich and help the poor.

The professional beggars in the capital specially collaborated with these thieves in committing crimes.

But no one dared to rob Baoyuan Bureau, because Jin Yiwei and the Beijing Army were in charge of escorting the silver coins and silver taels of Baoyuan Bureau, and there were all kinds of artillery and guns.

The safest place to put money in the world is the Baoyuan Bureau. This is the only place where the Ming Dynasty Hall exchanges silver coins.

Zhu Qiyu explained the security advantages of Baoyuan Bureau clearly.

After listening to His Majesty's remarks, Hu Wei nodded slightly. He doesn't hoard silver and coins, so he doesn't know how nervous he is when holding so much money.

Zhu Qiyu borrowed and said: "And I will give them interest. One silver coin stored in Baoyuan Bureau can get two points of silver interest for one year, one hundred thousand silver coins for one year, only two thousand silver coins, there is something more stable than this. business?"

Hao Ren, who lives in Xicheng, is a typical dude. His family is very wealthy. Hao Ren's life of pleasure can be described as extravagant, but being prodigal is not a big deal. The Hao family's business is getting bigger and bigger.

As a result, Hao Ren failed several times in investing, and lost his family instead.

Because of the jade pendant of one hundred taels, Hao Ren killed his grandma, Mrs. Hao.

Entrepreneurship is risky, and investment needs to be cautious.

Zhu Qiyu's Baoyuan Bureau is a business that is sure to make money without losing money.

After hearing this, Hu Wei immediately shook his head and said, "Give interest money? The court will keep the money for them, and it's good if they don't take their money. Give interest money back?! And two cents of silver interest?"

"No, absolutely not, Your Majesty, Jin Shangshu is old and has a stomach problem. If he knows that His Majesty is giving you money, he will get sick from anger."

"Your Majesty, please forgive Jin Shangshu."

Zhu Qiyu hurriedly said: "The imperial court can continue to exchange the scattered silver taels from the people after they get the silver coins they have stored, and continue to receive seigniorage."

"It can also be invested in major official factories. Shijing Factory has been in operation for five years, and various craftsmen and apprentices can gradually start to take charge of their own. Even if they only invest in coal mining, they can equal or even exceed this part of the interest."

Giving interest money is naturally for the sake of a wider collection of reserves. When Li Xian was an official in Nanya, he scolded them. Silver is buried in the soil, can it still grow silver?
Now, there is a place where money grows, and that is Baoyuan Bureau.

Hu Wei thought about it seriously and said, "Your Majesty, let's discuss it with Jin Shangshu."

"But didn't your Majesty say that Ku Yi Ku is powerful? How can you give them money back?"

Zhu Qiyu pondered for a moment and said: "Actually, the more money is released, the less valuable it becomes. With the continuous inflow of Japanese silver coins, the price of goods will rise, and the speed will exceed [-]%, so they are actually losing money."

This kind of inflation increases with the increase of currency, which is benign inflation, which means that the economy is developing.

Saving money is an act of real negative interest rate. On the surface, saving money will make you a steady profit, but in fact, inflation and prices will rise, and you will lose money if you put the money in Baoyuan Bureau or in your own hands.

After Zhu Qiyu explained a little bit, Hu Yi realized the problem, and then suddenly realized.

Negative interest rates in real terms are a secret, and Hu Wei pretends that he has never heard of it.

It may be too late when the wealthy merchants discover this secret.

"Your Majesty, beware of private seals." Hu Wei brought up the old story again.

Why did the three princes of Shanxi and Henan want to rebel together? Aren't they afraid that His Majesty will find out their private seals?
Zhu Qiyu took the receipt, took out another salt note and said, "First of all, it is new banknotes, cotton banknotes, which are specially made by the Ministry of Accounting with great effort."

"Even if you get the banknotes, it doesn't matter. The banknotes are all printed with silver engraving plates. There is one version a year, and the version is changed regularly."

"It doesn't matter if the skilled craftsmen have worked tirelessly to complete the engraving. Here is a secret key. It seems to be a simple sentence, but in essence it is different. Looking at the sun, the lighter places actually represent the year, month and day. "

In order to prevent counterfeiting, the Ministry of Finance has also made great efforts. Yanyin has all been replaced with brand new banknotes, engravings, and secret codes. It can be said that it has taken great pains.

Hu Wei still said helplessly: "Your Majesty, this person is not greedy enough to swallow an elephant, and three times the profit is lawless. With so many means, they can't stop them from wanting private seals."

Daming banknotes are very difficult to print. These anti-counterfeiting measures of His Majesty are actually good, but a banknote is at least hundreds of thousands of silver coins. If there is a mistake, the loss will be huge.

What Hu Ming said makes sense.

Zhu Qiyu said with a smile, "I'm worried that I won't be able to catch any fish."

"If they dare to seal privately, I dare to arrest them. Anyone who reports private seals at Baoyuan Bureau and Jinyiwei Yamen will immediately ransack their homes. The whistleblower will get [-]% of the proceeds from the raids, which will be converted into silver."

Water monkey method.

In the process of Zhu Qiyu's promotion of Baoyuan Bureau Bank, there will naturally be matching laws and regulations.

Money touches people's hearts, and [-]% of the proceeds from confiscated houses is not a small sum. Those who can get banknotes, ink, steel seals, and secret bonds are not small and small.

The tyranny among big door households became even more intense.

Zhu Qiyu went on to say: "Isn't Hu Shangshu thinking about how to break up the clan? Doesn't this make sense?"

"Secretly print the imperial court bank notes, and use the theory of treason. All the fame of the clan will never be used, and the three and five generations will not be allowed to take the imperial examination."

The clans of the Ming Dynasty are completely different from those of the previous Wei, Jin, Southern and Northern Dynasties, and the early Sui and Tang Dynasties. They have no political power.

The clans of the Ming Dynasty often attached themselves to the imperial examinations to gain privileges. How to break up their clans?

Prohibition of imperial examinations is a means.

Emperor Taizu Gao put the Pu family into the range of never taking subjects. During the Yuan Dynasty, the Pu family who could fight with the Yuan Dynasty immediately dispersed and changed their names.

Zhu Qiyu is more interested in breaking up these clans than making money.

Hu Wei suddenly realized, and finally understood what it means to be miserable, to become a powerful businessman, a wealthy businessman, and this is His Majesty's killer move.

Soon he looked embarrassed and sighed.

Zhu Qiyu stood up and said: "I know what Hu Shangshu is muttering in his heart, isn't he just being scolded for fighting for profit with the people, greedy for profit, and subjugated king?"

"I don't care about that virtuous gentleman. The title of benevolent monarch."

"Sharp handle is one of the powers of the state. The right to issue currency is the state's fight. If they dare to stretch out their claws, why can't I chop off their claws?"

"If you have the guts, rebel!"

The arrogance of the Nanya Dynasty left a profound historical lesson for all the influential figures, wealthy merchants and rich merchants of the Ming Dynasty.

That is to pay three taxes for rebellion, one for the emperor, one for the rebels, and one for seigniorage.

This one is heavier than one, and the emperor received the least.

For every rebellion, His Majesty will win three times, unless the rebellion is successful.

But it is impossible to succeed, and His Majesty is not Zhu Yunqi, and Daming has no stage at all to force Fu Jia to rebel.

Unless your majesty keeps raising taxes, the local tyrants will apportion the taxes layer by layer, and the world will lose its way, and the heroes will compete for the throne.

However, the three major shipping bureaus, except for the punitive five-year [-]% customs tax imposed by the Ningbo Shipping Department, all give silver six cents.

The ultra-low taxes that pirates want to go ashore after seeing it.

In fact, there is another way, and that is to find a way to physically eliminate Zhu Qiyu.

The longest-lived emperor of the Ming Dynasty was Taizu Gao Emperor Zhu Yuanzhang, followed by Ming Emperor Taizong Wen Emperor Zhu Di, and then Jiajing Emperor Zhu Houcong.

Zhu Yuanzhang was born in abject poverty and was a soldier all his life. He was so diligent that he was called a model worker. He was 71 years old.

Zhu Di also fought all his life, took part in the front line several times, spent half of his life in the Northern Expedition, and was 65 years old.

Zhu Houcong spent the whole day cultivating immortals, eating elixir, and was assassinated by a court lady. In the end, he lived to be 60 years old, because Zhu Houcong lived in Xiyuan, not the palace.

Of the sixteen emperors of the Ming Dynasty, only four lived past the age of 50.

Another one is Zhu Yijun, the Wanli emperor who ruled from the bottom of his hand and didn't care about anything. He didn't go to court for 30 years.

Hu Yi stroked back and forth seriously and said, "Your Majesty, what if someone takes the opportunity to run you?"

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(End of this chapter)