Daming Crazy Emperor

Chapter 616
Daming has ushered in a rare prosperous age, so this award to the ministers is naturally indispensable.

Taichang also wants to seek some benefits for the common people. After all, the common people are the root of a dynasty.

If a dynasty's monarchs and ministers are all rich, but the common people are not rich at all, then the dynasty will definitely not last long.

So, how to benefit the common people?
This is not a simple matter.

Taichang thought about it carefully, and then asked: "Now the bank does not charge money for deposit, withdrawal and exchange?"

Wu Yangchun hurriedly cupped his hands and said, "Yes, Your Majesty, now deposits, withdrawals and exchanges are not charged, and we rely on borrowing for profit."

Taichang then asked again: "Then how much is the interest on the loan?"

Wu Yangchun quickly explained: "This depends on the time of the loan. If it is within one month, it is calculated as five thousandths; if it is within ten months, it is calculated as five thousandths per month; if it is one year, it is 5.00% .”

This interest rate is not high, after all, the charges for foreign exchange were higher than this.

Taichang nodded slightly, and then asked again: "Then how much principal does the Daming Bank have now?"

Wu Yangchun was stunned for a moment when he heard the words, and then said cautiously: "Your Majesty, I dare to dare you, didn't you say that the principal of Daming Bank is [-] million taels?"

Uh, okay.

Taichang couldn't help being embarrassed and said: "What I mean is, how much surplus does the Daming Bank have now, or in other words, if I want to lend a lot to the common people, how much money can you come up with?"

Oh, that's what it means.

Wu Yangchun and Zhu Youjian glanced at each other, and then whispered: "Your Majesty, now we have a lot of surplus. We have opened more than 200 semicolons in the two capitals and eighteen provinces of the Ming Dynasty, and we have at least kept every semicolon. Gold ingots, silver ingots and gold coins, silver coins, and copper coins worth millions of taels of silver. Big colonies like Jinling and Beijing cost tens of millions of taels. Two hundred million."

Five hundred million taels, is that a lot?
Now the population of Ming Dynasty is estimated to be [-] million!

Five hundred million taels, on average, each person can borrow two or three taels of silver.

What can I do with this little money?
Taichang couldn't help sighing: "The money is not enough, what should I do?"

what?
Everyone couldn't believe their ears, five hundred million taels wasn't enough?
If this was changed to before, let alone 5000 million taels, they would not even dare to think of [-] million taels!
Wu Yangchun was stunned again, and then asked cautiously: "Your Majesty, I dare to ask, why is five hundred million taels not enough?"

Taichang still couldn't help sighing: "Da Ming may have more than [-] million people now. I want to provide some benefits for most of the common people. How can [-] million taels be enough?"

Uh, seek some benefits for most ordinary people!
How much does it cost?

Wu Yangchun asked again: "Your Majesty, I dare to ask again, how can I benefit most of the common people?"

This is very complicated.

Taichang thought for a while, and then explained: "Simply put, it is to lower the interest rate appropriately, and lend some money to the common people to do business, so that they can earn more money."

Your Majesty's idea is good.

The question is, can an individual know how to do business?

Wu Yangchun felt that asking this question might offend the emperor a bit, he thought about it, and gave Xinwang Zhu Youjian a wink.

King Xin and the Emperor are father and son, so there should be no problem asking this question.

Perhaps, they have been together for a long time, and they have a tacit understanding with each other. Zhu Youjian, the king of letters, asked without hesitation: "Father, not everyone knows how to do business. If we lend money, they will do business." Not only did the business fail to make money, but it even lost money, what should we do?"

How to explain this?
Taichang thought for a while, and then simply said: "We have to cooperate with Western firms. By the way, do Western firms have directors who sit in the headquarter of the capital?"

The head of the Daming Bank, Wu Yangchun, took the Xin Wang Zhu Youjian to sit on duty at the head office in the capital, and he knew this.

He really didn't know very well about the Western Company, because directors like Zheng Zhilong and Xu Erjue seemed to be busy outside all the year round, and Zhang Zhiji and Xu Yunzhen followed him.

There is also Cheng Jiashuo, that kid likes to develop things, and he will definitely not sit in the main account honestly.

Others, there seems to be no one.

Unexpectedly, Xin Wang Zhu Youjian nodded without hesitation and said: "Yes, father, Duke Cheng has been sitting in the capital's main office."

Oh, and there is Cheng Guogong.

He really doesn't know Cheng Guogong Zhu Chunchen.

Taichang thought for a while, and then said to Wang Chengen: "Go, order someone to call Cheng Guogong and Cheng Jiashuo over."

This place is really convenient, it is very close to the Yamen of the Eight Departments, and the head office of the Western Company is on the opposite street.

Not long after, Duke Cheng Zhu Chunchen and Minister of Commerce Cheng Jiashuo arrived here one after another.

This Cheng family is actually quite loyal to the royal family, and so is Zhu Chunchen.

Therefore, Chongzhen trusted him quite a lot in history.

However, Zhu Chunchen seems to have spoken slightly against the treacherous ministers Wen Tiren and Zhang Zhifa, and offended these guys.

Therefore, it is clearly recorded in the official history that in March of the 17th year of Chongzhen, Li Zicheng attacked the capital.

However, the henchmen and descendants of these treacherous ministers made up a boring story about Zhu Chunchen's dedication to Qihuamen, and even tried to persuade him to come in, but they were killed by Li Zicheng.

This rumor is a bit outrageous. Li Zicheng is not a psychopath. If Zhu Chunchen really offers his family and persuades him to be emperor, and he kills him, then who would dare to work under him.

The historical fact is that Zhu Chunchen was killed when the city was broken, and Li Zicheng became emperor under the persuasion of others.

Just kidding, others persuaded him to become emperor, and he killed others after becoming emperor, there is something wrong!
This rumor is really too bad.

Taichang took a closer look, this Zhu Chunchen was obviously an honest young man.

After paying respects to the monarch and his ministers, he tentatively said, "Chunchen, how is the business of the Western firm recently?"

Uh, this business.

Zhu Chunchen hesitated for a moment, but said honestly: "I dare not hide anything from the emperor, the business of the firm is not very good recently.

Because the merchant ships were all transferred to transship the captives, the goods of the firm were backlogged in various parts of Daming, and the overseas provinces and vassal states could not get the goods. This problem was quite difficult.

Weichen can only mobilize some fishing boats to deliver the urgent goods first, but this will affect the income of the fishing industry.

Alas, the humble minister is incompetent, this problem really cannot be solved. "

Uh, this kid is still very concerned about the business of Western firms.

Taichang really didn't expect that there would be a big problem after testing others.

Everyone has said so, and it seems that the problem is already very serious.

Taichang thought for a while, and then said decisively: "Well, I will lend you the naval warships and warships for emergencies first, and in a month or so, the merchant ships should be able to come back one after another. This year, I don't plan to continue The Mongolian Yuan tribe outside the Great Wall has been conquered, you can make arrangements."

Upon hearing this, Zhu Chunchen quickly cupped his hands and said, "Thank you, Your Majesty, for your kindness."

Taichang continued to ask: "Is the supply of goods for Western companies sufficient? I mean, is there any shortage of goods needed by overseas provinces and vassal states?"

Zhu Chunchen said without hesitation: "It was a bit a year ago, but we have already asked merchants in various places to find ways to increase production, so it should not be a big problem now."

That's it.

So where are the things that the common people make after borrowing money sold?
It seems that we have to find a way to increase demand.

(End of this chapter)