Traveling through the Ming Dynasty, as soon as you open your eyes, you will die

Chapter 93 Arrangements for Jiangnan

Qian Tonghe and Wang Chengen came to see him.

He came to say goodbye to King Ding after his Majesty resigned as emperor.

He was in charge of Jiangnan this time and wanted to hear what King Ding planned for Jiangnan.

Wang Chengen is a royal slave and there is no need to be polite, but Qian Tonghe is different.

Seeing the limping old minister coming to salute him, Lu Mou felt very guilty. He stretched out his hand to help him sit down, and then took the tea cup from the palace maid and handed it to him.

Qian Tonghe was so moved that he stood up. Lu Mouxu pressed: "Sit down, sit down." Then he told the eunuch beside him: "Xiao Li Za, go get a soft cushion for Lord Qian to put on it."

This moved Qian Tonghe even more: "The prince loves me so much, how dare I serve as a minister? I can only break my body to pieces and assist the prince to revive the Ming Dynasty."

Lu Mou sat down and said with a smile: "I accept your old heart. As for reviving the Ming Dynasty, there is no need to be shattered to pieces. You must live well and witness that the Ming Dynasty remains standing and prosperous."

Qian Tonghe repeatedly said yes.

"What should I do when I come to Jiangnan this time?"

"The first thing you will do when you go is to win over the officials in Jiangnan for your use. Therefore, the three years of debt owed to the court will not be brought back for the time being. I will allocate one hundred minting machines for you to implement abolition in Jiangnan. Two changes to the yuan.”

"This veteran understands."

"Then you immediately follow the regulations and pay double the salary to southern officials."

"Grace comes from above——"

"No need. No matter how much our father and son show favor to them, they will not really serve us. During this period, as long as they are grateful to you and listen to your arrangements, it is equivalent to obeying our father and son's arrangements."

"Wei Chen understands."

"Second point, what you have to do is to cooperate with King Shi Kefa and continue to implement the New Deal. At the same time, you use the money left for you to open a bank. But our bank must be different from other banks. So, I named him The name is Daming Central Bank, Southern Branch."

Now, the bank opened in the name of Zhang Zhiji, originally established to solve the problem of officials who could not afford to pay back their debts, has opened a branch in Beijing.

Lu Mou saw the huge benefits.

It's not that he made considerable profits, but that he actually suppressed the people's loan sharking practices that drove countless people into bankruptcy.

Now, both Lu Mou and Chongzhen have seen the harm that the resistance of the lowest level people can do to a court.

It was simply a scourge, unstoppable.

If a dynasty wants to continue to survive, it needs to find ways to alleviate the pressure on the people at the bottom.

Don't burn a clay kang and ban it. There can be smog in the sky, but controlling the smog will make people's public opinion fierce. By then, you will have no chance to breathe a breath of fresh air.

Lu Mou is a firm executor of the "I've Been Here" theory.

In some things, coercion can only benefit one person, but offends the interests of another person.

Well, I won’t offend you. For example, the reason why usury, which is the most harmful to the people, has multiplied and become so popular is because when people are in urgent need of money, they can’t get low-interest loans?

Well, the Guogong Bank using Zhang Zhiji as an excuse was originally a secret and disguised compromise to solve the debts owed by officials, but now, we no longer pretend, we have a showdown.

The bank officially changed its name to the Central Bank of Ming Dynasty.

This is royal internal capital contribution, which means borrowing money from outside and collecting interest.

A gentleman does not talk about profit. Even though the debts are being collected violently, is King Ding still a gentleman?

The royal family amassed wealth, and in order to save the Ming Dynasty, it did not increase taxes on the people but raised troops to protect the family and the country. Isn't it the right way?

Isn’t this a noble reason?

However, my interest rate is 2%, which is much lower than private interest compound interest. Aren't the emperor and King Ding showing sympathy to the people who are short of money for emergencies? Isn’t this kind of kindness noble?

"Simplifying the loan procedures allows people to get low-interest loans when they are in urgent need of money. Aren't we compassionate and caring for the people?"

"But if the poor people can't afford it——"

Ah, by the way, there are a group of people who dare to hammer nails into the buttocks of the minister, the country's father-in-law, and the country's uncle. There are experts in violent debt collection. Who dares not to pay back.

not return? Hehehe, Dongchang has become the old nemesis. Didn’t you see that for those who owed debts to the Ministry of Household Affairs, even if they were dead, Dongchang dug out coffin boards and sold them on the street to pay off the debts?

Dongchang’s slogan is already: “If you die, you have to pay back the money you owe me even if you sell coffin boards.”

There is a secret saying among people who borrow money, it is better to owe money to the King of Hell than to pay the debt of Dongchang.

But everyone said in their conscience, the interest rates are generous, how dare you refuse to pay?

"But the principal of depositing silver in Nanjing alone may not be enough." Qian Tonghe is an old economist, and he understands this.

He believed that this was because King Ding was taking advantage of the prosperity in Jiangnan to earn interest to enrich the national treasury.

But as the saying goes, it is difficult to make profits without capital. Without capital, everything is in vain.

In principle, when the central bank lends principal, it has the right to issue currency, that is to say, the principal is printed. The second is to obtain savings.

However, in this era, people have no concept of saving. They only feel safe when they hold real money in their hands and bury it in the ground. Putting it in other people's hands, it doesn't feel secure. If you absorb savings, people will think that you are robbing them of their money.

But at this time, it was even more unrealistic for Ming Dynasty to issue banknotes.

First, banknotes are backed by gold and silver, but that doesn’t mean that we still need to use silver? In this case, it would be equivalent to spending money on paper and ink, and guarding against fraud. Isn't it unnecessary?

Another one is that banknotes rely on national credit.

But first Ming Dynasty failed to issue treasure money, and its credit collapsed long ago. In this way, the banknotes you issue are also waste paper and will be rejected by the people. Therefore, this road is blocked.

"In order to raise enough funds, I decided to issue stocks in Jiangnan Bank. Each share will be one yuan, and dividends will be distributed at the end of the year."

I don't save, I issue stocks, and the people, especially the wealthy gentry, are willing to be shareholders. This is the reason why the bank business has flourished since the Song Dynasty.

I don't absorb savings, we do business as a partnership. This way, the concept has changed, and it has adapted to the philosophy of the common people and the gentry.

"Your Majesty, what is the purpose of establishing this bank?"

"My first purpose is to mine private money. We can earn coinage interest and loan interest to enrich the national treasury and prepare for earning exchange fees in the future. And the most important thing is that I still want to use our bank's low-cost We will use our bank interest rates to combat the ultra-high interest rates on private loans, so that the people can be freed from the debt of the King of Hell. Again, using our bank interest rates, we can force the interest rates on private loans to lower, so that the burden on the people can be reduced."

Qian Tonghe suddenly realized that the emotional prince was not only focused on making money and raising soldiers, but also had good intentions to reduce the burden on the people.

Your Majesty, you are truly a good prince who is devoted to the people.

In fact, Lu Mou also has another ambition, that is, hasn't the sprout of capitalism already appeared in Ming Dynasty? Then I will water, fertilize, and inject chicken blood for you to make it thrive.

Give Qian Tonghe the bank's implementation outline that he carefully compiled and ask him to implement it according to it.

Although Lu Mou was not from a bank, his outline was only rough and general. But again, don’t underestimate the wisdom of ancient people.

When traveling through time, there is no need to detail everything. You just need to be a beacon to point out the direction of development for ancient people.

The golden finger is used to break the bottleneck of the industry, not to peek at people taking a shower.

Then he faced Wang Chengen: "You are the executor of the emperor's will in Jiangnan, and you are also the close person of our father and son. I will tell the truth. When you go to Jiangnan, what you are about to face may be Li Chuang's bandits wandering south."

Why did Li Chuang not continue to attack Zijing Pass and attack Beijing, but instead fled to the south of the Yangtze River? Wang Chengen followed the thought of "I am curious, but I don't ask, just follow the instructions" and waited for the prince's arrangement.

"You just need to take appropriate precautions against Li Chuang. Don't force them back to their base in the northwest so that I can regain the northwest and organize it. Regarding the use of the four towns in Jiangbei to defend Li Chuang from fleeing, in terms of military, you have to give full play to what you don't understand. The military, however, has the advantage of blindly commanding and interfering in and dispatching their bandit suppression operations. Remember, to suppress bandits in the four towns, we must use our Ming Dynasty's consistent approach to the army, which requires no money, food, and reinforcements. You understand. ?"

It’s all said so straightforwardly that even those who don’t understand understand it.

"My servant will resolutely defend a few thoroughfare towns, and leave the rest to the four towns. I will sit thousands of miles away and strategize. I guarantee that within three or two years, the four towns will be wiped out."

Qian Tonghe was surprised, he must have done it backwards.

But I am the prince's man, and the prince's decision must have profound meaning. I have no objection.

The eunuch's skill is that he is not good at fighting the enemy, but he is good at fighting among himself.

The two people, with a special mission, followed Shi Kefa to the south of the Yangtze River. The south of the Yangtze River will develop painfully and happily according to what Lu Mou wants.

(End of this chapter)