Emperor Ming's grandson

Chapter 448 Everything Is For The Big Picture
Zhu Yunying, who finished the morning court, strode towards the Hall of Martial Arts. As an emperor, it doesn't mean that everything will be fine after the morning court.The so-called daily management of many opportunities obviously does not mean that one person can handle everything in the court.

It is obvious that Zhu Yunying needs to do a lot.After finishing the morning court, I will go to the Hall of Martial Arts to review the memorials.This is what Zhu Yunying should do, and he is indeed used to this kind of process.

Even Zhu Yunying still admires Lao Zhu, because Lao Zhu's diligence in the past was really desperate.

The so-called morning court is nothing, but there are also morning and evening courts. Lao Zhu, the terrifying boss, takes the lead, and the employees below have to follow desperately.In the early years of the founding of the Ming Dynasty, the so-called "anti-involution" did not exist, and there were only social animals that were more social animals than social animals.

When they arrived at the Hall of Martial Heroes, Zhu Yunying sat down on his buttocks. Before he could catch his breath, a large pile of memorials was handed over.In other words, Zhu Yunying already had a lot of memorials on his desk, but now there are some things that need to be dealt with first.

Let's do what an emperor should do, Zhu Yunying is quite familiar with this.

Glancing at Wang Cheng'en, Zhu Yunying said, "Go to Zhao Qin Tianjian to supervise."

Qin Tianjian is not just to observe the sky, calculate the solar terms, and formulate the calendar.In fact, since the Qin and Han Dynasties, there have been similar officials and institutions, but they were called Taichang at that time, and they were under the control of Taishi Ling.

The so-called Qin Tianjian was actually reformed in the Ming Dynasty, and it was the Taishi Bureau in the Yuan Dynasty.Liao called it Sitianjian, and Jin called it Sitiantai.Even in the Ming Dynasty, it was Sitiantai at the beginning, and then it was changed to Qintianjian.

After Qin Tianjian came, Zhu Yunying said, "Remember to start pushing the calendar and set the four o'clock, and don't delay the spring plowing next year."

This is also what an emperor should do. Even though Zhu Yunying seems to attach great importance to the 'market economy', he has never forgotten that it is now a farming civilization.For the Ming Dynasty, only with more land and more food can it be more stable.

Zhu Yunying then said again, "Prepare a few auspicious times, and prepare to be crowned king within the year."

This is a big event, and sometimes the emperor has to choose auspicious days when he ascends the throne.For example, Zhu Yunying, the time of his ascension to the throne was chosen by thousands of people.This is because Lao Zhu voluntarily abdicated, otherwise some emperors would not be so particular about ascending the throne.

As for the canonization of the prince and so on, of course it is necessary to choose the time.The Ming Dynasty canonized the prince, obviously also need to choose the time.

All of this is beyond doubt, and Si Tianjian is about to start preparing.They have to start selecting and calculating the dates. Only by selecting a few auspicious days in this way can the emperor have more room to choose.

Zhu Yunying is still relatively "observing the rules", although he doesn't care much about some so-called "celestial phenomena", and he doesn't think there are any visions that mean that the so-called emperor's virtue is not good, or what auspiciousness and so on.But to choose an auspicious day or something, you still need to choose.

After Qin Tianjian left, Hubu Shangshu Yu Xin also came to the Hall of Martial Arts by order.

Zhu Yunying looked at Yu Xin and asked, "What's the problem with the bank?"

Yu Xin replied immediately, "Your Majesty, the bank has exchanged 87 taels of silver and deposited 11 taels of silver."

Look, this is the so-called 'losing business'. This is the outflow of more than [-] taels of silver.It's just that Zhu Yunying doesn't have too many opinions on such things, and it can even be said to be relatively understandable.

He couldn't help laughing, and said, "It looks like there are still quite a few wealthy families in Daming. Either they make money well, or they have a strong family background. Such numbers are not so easy to get."

Ordinary people's families can live on with a few dozen taels of silver.With a thousand taels of silver, that is the level of a well-off society.But looking at it now, it is really a drop in the bucket. There are only five banks, and nearly 90 taels of silver were exchanged.

It's just that Zhu Yunying didn't care much about this, because it can be regarded as a pretty good phenomenon now.

"That's also a good thing. I remember that when the bank was first opened, many people didn't believe it. Most of the people from the clan and Wu Xun paid some money to deposit." Zhu Yunying laughed, and then said to Yu Xin, "The money deposited now , Are there many ordinary people?"

Yu Xin regained his energy all of a sudden, and then said, "Return to Your Majesty, now there are more ordinary people depositing silver. Although it is only a few taels or tens of taels, it is a good thing after all."

This is indeed some good news, a very good sign. Some ordinary large households may have large deposits or withdrawals. It is only the bank of the Ming Dynasty, and it cannot only serve these people.The real gold and silver of ordinary people, that is the root.

In the final analysis, the accumulation of less makes more, after all, ordinary ordinary people still have more, and their real gold and silver are more.

Zhu Yunying smiled and said, "The bank, it is estimated that within two or three years, it will be ready for the court to cover everything."

For the emperor's reminder, Yu Xin naturally knew it well.He even felt that the emperor was more optimistic. Maybe in the next decade or so, the imperial court would have to keep the bottom line and do some 'losing business'.

It's just that this matter has to be insisted on, unless there is a major change, which proves that the bank has no way to proceed.Or the Emperor Yingshi died suddenly, and the new emperor abolished the bank with great resistance, which would change the situation.

Otherwise, for a long time to come, banks will basically be trading at a loss.Now the bank itself does not have much business, and most of them are losing money.Furthermore, printing banknotes, etc., the cost itself is not small.

What's more, even if there are only five banks in operation now, after the bank's trial operation is successful and the experience has been accumulated enough, banks will be established in the following prefectures and counties.At least the prefectures and governments have to start preparing for this, and this is also something that is planned.

"The bank is losing money now, and that's what it should be." Zhu Yunying said to Yu Xin, "The bank belongs to the account department after all, and you can't just look at the profit. You can count these things when you think about it."

This simply speaks to Yu Xin's heart, the development of the banking business is really nothing, he has experienced a lot.

Many people think that the household department has money, but there are more places to spend money.As for making money or something, the household department is actually numb, mainly because there are many things, and they can't think about making money at all.

So this is nothing at all, and the Ministry of Households can't think about making money, and has to keep losing money.The bank will continue to lose money.

Looking at Yu Xin, Zhu Yunying asked with a smile, "The bank has been implemented for a while, what's the discussion?"

Just thinking of Yu Xin's character, Zhu Yunying continued, "Don't just say good things, you also know our character. Good medicine is good for the disease, and honest words are good for deeds. It's not that we can't listen to bad things."

Good words are of course nice to hear, but if you want to do something, you have to listen to different voices. This is what an emperor must have.Zhu Yunying thought he was pretty good, and he could hear some not-so-good opinions.

This can be regarded as blocking Yu Xin's escape route. Maybe he won't just say the most extreme views, but he won't just say good things either.

Yu Xin thought for a while, and then said, "Your Majesty Qizuo, there are still quite a few doubts about the bank."

Zhu Yunying was not surprised by such a point of view, and said, "It is said that it is for the benefit of the people, or is it something like not promoting moral government?"

Yu Xin also felt embarrassed at this moment, he naturally heard a lot of such voices.It can even be said that what the emperor said now is more tactful, because he actually knew that there were some worse voices, so he almost cursed.

The bank's storage business, in the eyes of some people, is simply killing people's jobs.Banks and other things existed in the past.If other people deposit money into the bank, they will have to pay a custody fee.But Daming's bank is so good that they still have to pay interest, which is a waste of their jobs.

For many people, this is stealing people's jobs, because a business like a bank does not have any financial resources and contacts, and it is not easy to develop.

On the other hand, it is naturally the loan business of the bank, which is simply lending.

Usury or something, this was a business that existed a long time ago.Although the imperial court's banks don't ask for particularly high interest rates, others will think that as long as you charge interest, it's robbing them of money.

The other is bank lending, which has horrible investigations.If there are not enough people to guarantee, and there is no certain property as collateral, basically don't think about the success of the loan.

What's more, when banks evaluate, most of them also like to lower their assets by a lot.And some people even thought about 'making a fortune', but sadly found that their cleverness was misunderstood by their cleverness. The bank has a court background.

At that time, some departments of the imperial court will come forward, and the government will directly force the collection and so on.So some people are also 'broken'.

At first, I thought about borrowing some money to spend time and money, and not paying it back, but it turned out that I was thinking too much.Obviously, the imperial court will not give these people any chance to be clever. After all, the bank has an official background.

So seeing some people's 'miserable images', let's not say that there are many complaints, but it did cause some criticism.

To be honest, Zhu Yunying really didn't care much about such criticisms.In the final analysis, it is because he will not let go of the correct way because of such trivial things.Inconvenience to a very small number of people does not matter, as long as the majority benefits.

What's more, if you hear cricket crickets, you won't be farming?

Impossible, this is simply impossible, Zhu Yunying really doesn't care about some unfriendly voices.What's more, some people seem to end up badly now, it's just that they are smart and just laughing at themselves.

Zhu Yunying understands some things, and Yu Xin naturally understands it very well, so there is nothing to say.What should be done is naturally how to do it, some small detours, etc., are really nothing.

With a fairly handy and capable Minister of the Household Department, Zhu Yunying can naturally feel at ease.

But in the final analysis, the finances of the Ming Dynasty are getting better. If it is not because there is a certain amount of money in the treasury, if it is not for the financial health of the Ming Dynasty and the influx of a large amount of silver, Zhu Yunying will not be so at ease.

Just like Yu Xin, he didn't need to be anxious or worried about the bank's loss of 70 taels in just two months.The imperial treasury can be further covered, not to mention the existence of banks, which also solves many problems.

In the final analysis, this is the promotion of banknotes in the Ming Dynasty, because the emergence of banks has been further accepted by the market.

So there is no need to just watch that the bank is short of money now, let alone the Ministry of Accounts, the court is actually the same.What they need to look at is the overall situation, not one city or one place. That is obviously not the attitude everyone should have.

After getting good feedback, Zhu Yunying let Yu Xin leave, but only with a few words of encouragement.Zhu Yunying is still very generous to the employees under him, and what should be encouraged should be encouraged.

Continue to prepare for work, Zhu Yunying has a lot of things to do, the emperor can't help but be too idle.

Zhu Yunying continued to review the memorial, and he still needed to be busy when he should be busy.Zhu Yunying felt that there were more things that she should do.He knew that in the next period of time, the court would have some more actions.

All this means that Zhu Yunying can't be idle, he knows that he needs to move around.As for the overall situation, Zhu Yunying has never been lacking. What he needs to do is to steer the increasingly large ship of Ming Dynasty in a better direction.

There is no need to ride the wind and waves, it is better for the Ming Dynasty to have fewer twists and turns, and take every step smoothly, that's good.

What should be done is to review the memorials and do what should be done well, and that is enough.

Wang Chengen approached and whispered, "Your Majesty, Song Zhong is here."

The Commander of Jin Yiwei asked for an interview, which obviously meant that something important had happened.Such a person who seems to be sensitive to his position and has a special status is also a character of "going to the Three Treasures Hall for nothing", and maybe he needs to be nervous now.

Zhu Yunying nodded, Zhu Yunying also understood Song Zhong's character.It seems that something may have happened, and it may also be something beyond my expectations.After all, Zhu Yunying did not give Song Zhong a "special task".

Entering the Hall of Martial Ying, Song Zhong did not hesitate at all, "Your Majesty will greet you under the bid."

Zhu Yunying raised her hand with a smile, and said, "Get flat."

Song Zhong, this is also Zhu Yunying's team.This person also knew Zhu Yunying's dream of being in the army, so he didn't call him a 'subject', but came as a general. He was also a smart person and knew how to do what he liked.

Zhu Yunying was not polite either, and asked directly, "What's the matter with you this time?"

Song Zhong didn't hide anything, and said, "Your Majesty, it's about Nanyang. The fleet has returned, but it's just that the weather is not good for going to Liaodong."

(End of this chapter)