I am the king of the dead

Chapter 597 Poor three generations, because there is no fourth generation

"I am responsible for this kind of financial affairs." Zhu Qiyu crossed his hands and put them on the table, his brows twisted into a mountain shape.

Zhu Qiyu made some mistakes and underestimated the financial affairs of Daming. In matters such as stripping, the wealthy businessman, rich and right country gentry are bound to be very professional.

When Zhu Qiyu came up with the monetary policy, these people immediately had policies and countermeasures and came up with the trick of buying and selling subprime debt.

All debt transactions are accompanied by monetary quantitative easing policies. Zhu Qiyu's new monetary policy can be understood as Daming's monetary quantitative easing. Zhu Qiyu expected that debt transactions would occur, but he did not expect it to be so mature. Zhu Qiyu was quite worried about the severity of the peeling.

"Do you want to call Hu Shangshu over?" Xing'an asked in a low voice after serving a cup of tea.

Xing'an called Hu Wei over because Hu Wei was the person involved, and of course it was not during the Jingtai period, but during the Hongwu period.

During the Hongwu period, Emperor Gao of the Ming Dynasty implemented the Daming Baochao policy, and how the Daming Baochao policy was destroyed. Hu Wei was a witness, but he broke it down clearly.

"Go and announce, and invite Yu Shaobao." Of course Zhu Qiyu has a certain way of dealing with it in his heart, and of course he must listen to Hu Min's opinion. As for inviting Yu Qian, it is naturally because of what Zhu Qiyu is going to do, not so much mild.

He was going to punch hard.

Hu Ming came very quickly. When Cheng Jing went to preach the decree, Hu Ming was rushing to the martial arts hall, and Yu Qian was already on duty in the martial arts hall, so naturally he didn't have to wait too long.

After the ceremony, the two remained silent, quietly waiting for the emperor's decision.

Zhu Qiyu thought for a long time before he came back to his senses, sat up straight and said: "Liaodong, Gyeonggi, Beipingdusi, Shanxi Xingdusi, Xuanfu, Datong, Jing'an, all have different degrees of sales contracts."

"Yu Shaobao, Hu Shangshu, you may not understand my worries, let me talk about my worries first."

"In the beginning, the sale of the deed of sale was started by the Shanxi General Chamber of Commerce. The initial scale was about 30 silver coins. After the money was purchased for the deed of sale, they divided this part of the deed of sale into twelve equal batches. sell."

"We call a bonded right a debt."

"After selling the creditor's rights, they got more money, and bought more contracts from various slave-selling rangers, and sold them in batches again for profit."

"After repeating this for nearly 30 times, the scale has changed from [-] to more than [-] million."

"If you leave it alone and let them repeat it, it only takes ten more rounds, and the scale will exceed 3000 million silver coins. When this scale is reached, if the proceeds of the contract of sale cannot be realized, then the sale of the body in the hands of the common people, small merchants and peddlers The deed, or the creditor's right is a piece of waste paper."

In the simplest way, Zhu Qiyu told Yu Qian and Hu Wei the tragedy that might result from doing so.

Song Zhang, the chief minister of Fujian Province, used to sacrifice his winter sacrifices, and this kind of financial speculation is also a waste of money.

It is always the poorest people who bear the price, and it is the people who suffer.

Nowadays, the business of prostitution contracts is in full swing, but when the gunpowder magazine explodes, its power, even Zhu Qiyu, will be affected.

You know, he is the emperor.

Yu Qian has been the governor of the local area for 25 years, and he has never seen any moths. Of course, he knows what His Majesty is worried about, and it is not alarmist, and Yu Qian has seen it with his own eyes.

Yu Qian said with full recollection: "In the seventh year of Xuande, the minister was in Huaiqing Mansion, and the Liu family in Wushe County started their business with loan sharks. These people have no morals in doing things. They mainly make green rice money, and of course they also make yellow rice money. They put Sell ​​these IOUs and put usury money."

"It will take time for usury money to be recovered, but not for selling IOUs."

"Once this deed of sale is bought and sold, the interest will be obtained in advance, and then bought and sold again. Repeatedly, it's like a donkey rolling, rolling bigger and bigger."

"This Wushe Liu family started with 3 taels of silver and has spread to the twelve prefectures of Henan, Shanxi, and Shaanxi. The donkeys I saw rolling in Henan are no different from this case."

Zhu Qiyu kept blinking his eyes. He thought it was a new type of economic crime, but after going around, Yu Qian had already dealt with similar cases?
The key reason why the profit point of selling creditor's rights or donkey rolling in the context of Ming Dynasty can grow bigger and bigger is on top of the interest.

By selling the creditor's rights, the interest can be recovered in advance, so that it will naturally grow bigger and bigger.

Seeing that His Majesty was quite surprised, Yu Qian thought that His Majesty was not clear about their tricks, so he said very patiently: "After so many years of business, they are still the same. These merchants always divide these sales deeds or IOUs into twelve grades. , and the specific classification method can be roughly divided into several categories.”

"The first category is whether to repay the money on time; for example, every time you borrow money from rice and return it on time, it is generally in the top three of A, B, and C."

"The second category is status. For example, some scholars, who are short on money for a while, borrow some money, even if they don't pay it back, their debts are in the top three ranks of A, B, and C. This is because even if they don't get fame, But if you have rice, you can pay it back, and there are other reasons."

"The third category is contacts. Let's take scholars as an example. The rice they donate is only enough for their household. If they can't pay back the money, it doesn't matter. The bank will not come to urge them to pay, because their classmates and teachers are all contacts."

"The fourth category is assets. For example, merchants have a low status, but they have shops and acres. Even if they have no money and need to turn around, they only need to have assets."

The more Zhu Qiyu listened to it, the more familiar it became, and then suddenly realized!
Isn't this how Master Ma got the Sesame Points back then?

Isn't spending and borrowing just rolling around?

Doing business in the 21st century, still doing the tricks of 600 years ago, Yu Shaobao is right, after doing business for so many years, there is no progress at all.

Donkey rolls, the name is good.

Seeing His Majesty's suddenly enlightened expression, Hu Wei said with emotion: "Your Majesty doesn't know something. In fact, most of the people, as long as they get stuck in this donkey, they basically walk into a dead end, and they can't get rid of it for the rest of their lives."

"The debt owed by the son to the father cannot be shaken off within three generations."

The corner of Zhu Qiyu's mouth twitched, and he asked: "If you can get rid of it after three generations, is there no fourth generation?"

Three generations are poor, because there is no fourth generation.

This is a cold joke that is not very funny, Zhu Qiyu, Yu Qian, Hu Wei and Xing'an, none of them can laugh.

Zhu Qiyu has held the Salt and Iron Conference for seven years, and has discussed financial affairs several times. The impact of population on financial affairs is already a very mature topic.

Population directly determines the rise and fall of Ming Dynasty.

Yu Qian was quite relieved to see His Majesty who was worried.

Back then Zhu Qiyu asked Tai Qian a ridiculous question.

When His Majesty was not enthroned back then, when he wanted to send Zen Master Yang to Oala to influence the Tatars, and to discuss the matter of the farmland attached to the temple, His Majesty was worried that he would slack off in the future, and would forget the sincerity of the time when the wind and rain were turbulent and the danger was at stake.

At that time, His Majesty asked what he should do if he could not listen to the advice, or if he forgot why he set off.

Yu Qian's original answer was: If he is here, he will advise His Majesty. If Yu Qian is no longer there, he will be loyal and good, and he will also advise His Majesty.

Today's Ming Dynasty has already got rid of the winter prelude, and the various places are full of flowers and flowers, but His Majesty is not fascinated by this superficial prosperity. No matter what happens, he always thinks of the people of the world.

This is what makes Yu Qian most gratified.

At that time, Yu Qian tried his best to dispel the opinions of all the people, abolished the throne of King Jili as the Supreme Emperor, and invited His Majesty, who was still King Yi, to be enthroned three times. His decision was not wrong.

As long as this original intention is still there, all problems can be alleviated or even completely solved.

Yu Qian said confidently: "Your Majesty, don't worry. Your Majesty is seeking to become a Tatar king. As early as the battle of the capital, Tuotuobuhua asked Tuogu to send a letter into the city. Your Majesty has been planning to become a Tatar king."

"To this day, the fruit is ripe, and no matter how His Majesty arranges this sale, it will not hurt the seriousness."

"Just leave it to the minister."

Yu Qian sits in Lianhuachi, Huaiqing Prefecture, Henan Province, and has presided over the big case of Wu She and Liu's donkey rolling, so he is very experienced in how to deal with such problems.

"What about Yu Shaobao?" Zhu Qiyu asked curiously.

Yu Qian said with a smile: "Your Majesty once said in the past: If you earn [-]%, you can divide the green and yellow; if you earn [-]%, you will salivate; if you earn [-]%, you will get chestnuts from the fire."

"Green rice money violates the law of the Ming Dynasty, but any business that sells a body for more than [-]% of the profit should be punished with imprisonment. Shijing Factory, Shengzhou Factory, Liuzhi Factory, and Liaodong New Coal and Iron Factory are short of people. It's amazing."

"Those who trade in slaves will earn [-]% honestly?"

Hu Wei thought for a while and added: "Your Majesty, can this sale of the contract be taxed?"

"Youdao means state-owned state law, family rules, and refusal to pay taxes. When Yu Shaobao investigates, it will be more justified and convincing."

Older gingers are more spicy.

The biggest problem with selling one's body is that it is a gray area and there are no rules. Since there are rules to be established, it is natural to start with the matter of paying taxes. If you refuse to pay taxes, you can't blame the court for being ruthless.

"It makes sense." Zhu Qiyu and Yu Qian said in unison. In terms of insidiousness and cunning, Zhu Qiyu and Yu Qian are no match for Hu Wei.

Zhu Qiyu thought for a while and said: "Yu Shaobao, I will give you five thousand cavalry fire cards to investigate this matter specially. It is a big matter. You can mobilize the pier and Yuanhou to investigate at any time. I have already confessed to Lu Zhong."

Yu Qian hurriedly bowed his head and said, "I will live up to your majesty's trust."

Duntai Yuanhou was an elite who went deep into the captive camp to investigate the enemy's situation. His Majesty even dispatched Duntai Yuanhou, which meant that His Majesty really planned to strike hard.

Hu Wei looked at His Majesty in front of him. In terms of trust, His Majesty trusted Yu Qian the most.

Zhu Qiyu picked up King Xiang's memorial and handed it to the two of them.

After reading the memorabilia, Hu Wei said with a smile: "His Royal Highness, he took the risk with his own body, just for the safety of the Ming border, and to prevent Wanghua's Tatar plans from being destroyed. penetrating."

"I congratulate Your Majesty."

Zhu Qiyu knocked on the table and said: "If the emperor's uncle is going to be with Lin, he should at least tell me that I asked Marquis Wuqing to send some soldiers and horses to follow him. This mission with less than 300 people is in danger alone. What happened, it seems that I disregarded the friendship with my relatives, and issued a secret order to send the emperor to die."

Hu Yi was stunned for a moment, and looked at Yu Qian with some surprise.

After Hu Wei learned about Zhu Zhanqian's going to marry Lin, he really thought that the emperor issued a secret edict.

Yu Qian returned the memorial to Xing'an. Regarding the matter of King Xiang going to Helin, Yu Qian believed that King Xiang did nothing wrong.

The [-] Wala people in Helin are indeed the fish that slipped through the net in His Majesty's Wanghua Tatar plan, and Zhu Zhanqian went to check for His Majesty's omissions and make up for the vacancies, which is also what it should be.

"I plan to issue two imperial edicts. The first one is naturally when King Xiang is safe and stable, and he will give the head merit card. The second one is to warn that in the future, such things as taking risks with one's own body will not be tolerated. I can't do it." Zhu Qiyu made his own decision, An Bianyoufang naturally wants to reward, but this kind of risky thing should not be done well.

Zhu Zhanqian is the Prince of Ming Dynasty and the uncle of the emperor. Even if he dies, he can only die in the hands of His Majesty the Emperor.

Zhu Qiyu didn't seem to care and asked: "By the way, Yang Jun replaced Yang Jie as Marquis of Changping. Did the Minister of Civil and Military Affairs have anything to say?"

Hu Yan's slightly cloudy eyes suddenly flashed a bright light, before Yu Qian stepped forward and said: "There is nothing wrong, everyone applauds."

Yu Qian hesitated to speak, and finally said nothing, did not speak.

Hu Yan was deliberately stealing words, Yu Qian saw it, and His Majesty saw it too.

The reason why Yang Jie was deprived of his title was not that he was involved in the gambling business, and that he could not stop being a noble. Yang Jie was punished for his disrespect.

Yang Jie didn't withdraw from the mourning hall, and used the mourning hall to make trouble, scolding Yang Jun for not being filial when he fought in Jing'an and Anbian, which is a sure-fire slander.

But after all, it was the son-in-law who returned to his hometown, and the son-in-law who succeeded him, and there was a lot of discussion in the court.

But Hu Wei insisted that there was nothing wrong with it, and applauded.

His Majesty's eyes and ears are all over the capital, and His Majesty knows the real situation clearly. He asked the courtiers what they said, but he was actually asking them about their attitudes.

Yu Qian is an upright person, telling the truth at this time may cause His Majesty's displeasure, but it is difficult to let Yu Qian lie.

That's why Hu Yi rushed to talk and blocked Yu Qian's words.

Yu Qian is also an old fritter in the court, since he can't lie, then shut up.

Moreover, Yang Jie dismissed the title, and Yang Jun succeeded Ying Guogong Yang Hongchangping as Marquis, which also involved the position of prince.

The second prince Zhu Jiancheng is average in intelligence, and the eldest prince Zhu Jianji is too dazzling. If there is a replacement of the prince in the future, Yu Qian's statement at this time may cause a rift in His Majesty's heart.

"There will be a little discussion, Hu Shangshu bothered." Zhu Qiyu nodded indifferently and said.

"Share your majesty's worries." Hu Yi hurriedly bowed his head and said.

Zhu Qiyu did have the idea of ​​changing the crown prince. To be precise, he felt a bit reluctant since the establishment of the crown prince.

Being a prince in Ming Dynasty was to assist the emperor of Ming Dynasty to oversee the country, not in the Han and Tang Dynasties, the prince always supported Yeting, and only started governing when he ascended the throne.

This tradition has been a practice since Zhu Yuanzhang's prince Zhu Biaojian.

Everyone can see Zhu Jianji's talents.

But judging by the attitudes of Hu Wei and Yu Qian, the matter of changing the crown prince is much more troublesome than the abolition of Zhu Jianshen's crown prince.

Yu Qian took out a memorandum and said: "Your Majesty, the eldest prince and King Ji joined hands to solve the first suspicious case, and everyone in the capital praises it."

Hu Yi sighed, but Yu Qian finally expressed his attitude.

The eldest prince Zhu Jianji has not been crowned king so far. Yu Qian mentioned this matter at this time to remind His Majesty that it is time for Zhu Jianji to be crowned king.

What's the deal with a prince fighting with a prince?
Zhu Qiyu actually thought about this issue, he wanted to make Zhu Jianji the king of Yi.

　Ask for a monthly pass, ┗|｀O′|┛哩~~! ! ! ! ! ! ! ! ! ! ! ! ! ! ! ! ! ! !

　　
　
(End of this chapter)