I am the king of the dead

Chapter 250 The Cold and Summer Exchanges One After Another

Zhu Qiyu sorted out his meeting minutes without saying a word, sighed, always wanted to say something to Louis XVI, but Louis XVI must have a head.

He originally planned to discuss seigniorage today, but did not prepare any content on profits.

But today he must explain clearly how Daming should make money.

But it was also simple, and he quickly figured out the relationship.

"First of all, before we talked about the relationship between labor compensation and national development. Now let's discuss the relationship between profit and national development."

Hu Wei nodded and said: "The progress of the people will lead to the progress of the country, the progress of the country will lead to the strength of the people, the strength of the people will lead to the prosperity of the country, and the prosperity of the country will lead to the safety of the people."

Zhu Qiyu took a deep breath and said: "Our return on investment, that is, profit, is the same as labor compensation. If the country is rich and strong, the people will be rich and the people will be strong. If the country is strong, the profits will be high, and if the country is weak, the profits will be low."

"It is very difficult to measure the amount of labor remuneration in a place and at a certain time. I believe that this aspect is deeply touched, but the amount of profit is even more difficult to measure."

Lin Xiu, the eunuch of the internal transport depot, said with deep approval: "It is necessary to make comprehensive judgments such as seasons, good and bad years, population, rice prices, the size of the place, etc."

"We found a lot of abnormal things. For example, no matter at any time or place, we found that the changes in labor remuneration are actually consistent with the changes in rice and grain prices, but they are exactly the opposite."

"When food prices fall, labor compensation increases. When food prices skyrocket, labor compensation decreases."

All the ministers looked at Lin Xiu. If the food price is low, the salary will increase instead?This is completely different from their cognition.

Du branch ambassador Wang Hu added: "When everything is booming, food prices are stable or even low, and labor remuneration will be higher, because employers need to pay higher labor remuneration to be able to hire craftsmen, laborers and servants. Because employers are hiring."

"However, when the situation is going down, food prices are high, and labor compensation will decrease instead. Because employers are not sure whether they will be rewarded, they will not recruit servants. Instead, labor compensation will become more depressed."

"This is highly consistent with His Majesty's saying that the country is prosperous and the people are rich and the people are strong."

Lin Xiu is the admiral and eunuch of Ji Province, and Wang Hu, the ambassador of the Du branch, is a member of the foreign court of Ji Province. They have been settling accounts recently. Many anomalies about labor remuneration, combined with His Majesty's words, the problems are easily solved.

This phenomenon is easy to understand. In good years, employers roll, and in bad years, servants roll.

Lin Xiu said helplessly: "We found that even if it is a powerful family, in the harvest year, it will be peaceful through singing and dancing, because although the labor pay is a little higher during this period, but the powerful family can also benefit from a lot of money. A lot of profits are made in the workshop, and they are also willing to give higher rewards."

"But in the year of disaster, they will use all means to exploit the people, but it will get worse and worse, and the life will not be peaceful. Once the people can't survive, they will stick their heads to their waistbands and start from the rice paddies. Gentlemen The days are even more difficult, and even at the end, many times, even handing over food will be killed."

"This is also highly consistent with His Majesty's saying that when a country is strong, profits are high, and when a country is weak, profits are low."

Du branch ambassador Wang Hu added: "This phenomenon is very common. For example, in Fujian before, how many gentry were wiped out? How many high-ranking and powerful families in the past were killed."

"But we found that it seems that we have never summed up our lessons and have fallen into a cycle, as the saying goes: cold and hot come and go, and rise and fall come and go again and again."

After Wang Hu finished speaking, everyone remained silent. This is a pit. In this land, the cycle has been repeated for nearly a thousand years, and it seems that the cycle will continue.

When the phenomenon is widespread, everyone takes it for granted. Once the law is summed up, you will find that it is extremely stupid.

Zhu Qiyu said with a smile: "Okay, let's talk about profits that are more complicated than labor compensation."

"We can anchor the labor remuneration according to the needs of one household, so what do we use to anchor the more complicated profits?"

Zhu Qiyu asked a question, waiting for the ministers to think about it. He had to explain clearly why occupying land would make money.

Zhu Qiyu waited for the answer to the question. Obviously, none of them could give a specific answer, what can be used to measure the standard of profit.

Yu Qian sat up straight suddenly, looked left and right, hesitated for a long time and tentatively said: "Perhaps we can measure it from the interest rate of green rice money?"

Yu Qian has been thinking about the master behind Zhu Qiyu, how is it possible for such a talented person to have so many fantastic ideas, such a national scholar, but hide his name and do not seek to be famous, it is really Yu Qian who has been friends with him for a long time.

But he can't ask, and he can't ask, but it doesn't mean he never thinks. Obviously, Yu Qian walked in front of everyone as before, just like he still walked in front of everyone's courtiers when the king had a catastrophe. It is expected that the Wala people will enter the customs.

Although Yu Qian couldn't see the masters behind Zhu Qiyu, he still wanted to compare with these masters.

Zhu Qiyu was taken aback when he heard Yu Qian say that, Yu Qian was right...

Green rice money is a kind of usury, but it is this deformed usury that can reflect the return on investment and profit rate.

Or in a more intuitive way, the interest rate of money, that is, interest, can intuitively reflect the amount of recent profits.

This is an important indicator to measure whether a country's ecology is healthy, whether it is developing, or whether it is stagnant.

In this era, there were no banks and no interest rates, but Yu Qian obviously found another important indicator that could indirectly reflect profits.

The interest of green rice money.

"What is the interest rate of Qingdao money?" Zhu Qiyu sat up straight and said.

Seeing His Majesty's inquiry, Yu Qian breathed a sigh of relief. In fact, after His Majesty talked about labor compensation and bottom-line thinking last time, he began to think about investment and return, which is what His Majesty said about profit.

How is profit measured?
He found some answers.

Yu Qian sat up straight, and said to the officials: "The interest rate of green rice money is extremely high, but for the common people, it is seven in and thirteen out, and the interest rate exceeds [-]%. Because it is when Huang Qing does not accept it, Those who specifically entrap the people."

"This kind of behavior of seeking people's fat and people's anointing should be resolutely cracked down and never held back."

Since His Majesty explained that labor is the only criterion for measuring value last time, everyone has a clear understanding of how many people there are, whether the people can become small, and whether the people have the spare energy to labor and produce value.

Cracking down on search and exploitation has also become a consensus.

After the salt and iron conference on labor remuneration, the ministers finally knew what standards should be used to formulate labor remuneration. Even if it is a powerful family, when the country is advancing, they are advancing, and when the country is retreating, they will be faster. back.

Are there any eggs in the nest?
Therefore, Yu Qian suggested to give a heavy blow to Qingdaoqian with such a high interest rate.

To put it more harshly, the common people are the wealth of the imperial court.

As for the guys who put their hands into the court's crotch and fumbled, it's time to chop off their paws and cut people up.

Yu Qian continued: "There is also a kind of money called yellow rice money. This kind of money is not for exploitation, nor for borrowing when Huang Qing doesn't pick it up, but for mobilizing the money buried in the pigsty and lending it out. Take it back."

"This part of the rice money, for the borrower, is ten in and eleven out, about [-]% of the interest."

After Yu Qian finished speaking, he took a short rest.

And Wang Wen added: "Actually, there are a lot of this kind of rice money among the people. For example, a craftsman has finally become a teacher. If he wants to open his own workshop, he needs to borrow rice money. , go back."

"Not only craftsmen, but also apprentices such as meat shops, palace powder, ready-made clothes, jade, jewelry, silk, paper, seafood, fresh fish, and study rooms."

Zhu Qiyu didn't speak immediately, but asked the ministers to digest the current business situation of Daming, because they were high in the temple, they actually didn't know much about the trivial matters.

Abandoning the basics and chasing the last, the original is agriculture, and the end is business. In the circle of scholar-bureaucrats, they don't know much about business.

Wang Zhi sighed and said: "Actually, the interest of the yellow rice money is quite a lot. It will take at least three to five years to pay back the cost of opening a clothing store. The half of the interest is also overwhelming. .”

Wang Zhi was born in the Langya Wang family, now it is not what it used to be, the current Langya Wang family no longer has the glory of the Wei and Jin Dynasties, and they are also doing business, more business.

He naturally has a little understanding of these things.

Zhu Qiyu took a deep breath and said: "I think that the release of green rice money should be resolutely cracked down. They are digging at the foundation of Ming Dynasty."

"However, the yellow rice money cannot be banned. Once we prohibit the existence of the interest of the yellow rice money by law, the common people will suffer greatly from the green rice money."

"Zero interest money and yellow rice money will no longer exist at all. Instead, it will give young crop money room to grow wantonly, which is not good for the people and bad for the country."

"Yuan Yikuan lost the world, without rules, he would not have a radius, just like the land without people's labor will eventually become a wasteland."

"So how should we define green rice money and yellow rice money? Is the [-]% interest rate of yellow rice money reasonable?"

Wang Zhi first shook his head and said: "It's unreasonable. Because of the [-]% profit, many of them couldn't recover the cost in the end, and finally closed down."

Yu Qian nodded and said: "One and a half percent is really too high. Borrowing yellow rice money is still not enough to make ends meet, so it is better than green rice money."

"Every year after the autumn harvest, the common people go to the city to sue and file lawsuits. The local officials don't know what standard to judge and punish. So how should we define green rice money and yellow rice money?"

Wang Wen said with even more conviction: "I think that once the limit becomes reasonable, the common people who can't afford to pay more than [-]% of the interest will run away, and the powerful family who gave the money will not be able to get it back."

"If it's below [-]%, no one is willing to release money anymore, and the green rice money will be rampant."

"But as time goes by, the interest should be gradually reduced to about half, which is a reasonable range."

Zhu Qiyu nodded approvingly. When Henry VIII of the Tudor Dynasty set the loan interest rate, it was only 10%, but his policy was also ruined.

At the time of the zealous Edward VI, Edward was so zealous that any interest was strictly forbidden.

Zero interest directly led to rampant usury.

It was not until the 13th year of Elizabeth I that the 10% interest rate was restored, and then it was reduced year after year. Finally, after 60 years, the interest rate was finally stabilized at 5%.

Wang Wen is a very capable official, and financial affairs are not complicated. Wang Wen participated in all the salt and iron meetings. During the discussion, he immediately came up with a standard of measurement, and he was also thinking about it.

Zhu Qiyu took a deep breath and said: "The amount of interest reflects the profit of investment and return, so gentlemen!"

"Guess, in the vicinity of Jining, the old army stationed in Hongwu and Yongle years, in Hetao, just for grazing, how much is the interest?"

　Please... tickets!

　　
　
(End of this chapter)