The eldest grandson of Emperor Ming Dynasty!

In this era, many things are actually very rough.

What's the use of reasoning? Taking it slowly is just for a buffer in the early stage.

Zhu Ying didn't expect that Hu Jishou would have the confidence to lift the table.

That's not how cards are played.

If the smallest card hits you, Annan, it's already a king, okay?

If you don't feel that there are not enough talents now, and that the education and governance cannot be implemented well, you will have lost your job.

But through this incident, Zhu Ying also understood a truth.

For these small countries, sometimes you really can't be too polite.

Perhaps the outer king and the inner sage are more useful.

Fortunately, the Beiyuan Employment Guild has basically taken shape here, and the next step is to mop up the entire Western Region.

The Western Regions can be said to be the weakest time in the entire historical period, and it is completely non-threatening to Ming Dynasty.

After the expansion of the Western Regions by the Han Dynasty, the Central Plains has been actively or passively migrating to the Western Regions. The key to this migration is the prevalence of trade on the Silk Road.

From the Han Dynasty to the Song Dynasty, the number of Han people in the Western Regions has always been very large, accounting for an extremely considerable number of people in the comprehensive ethnic population.

At the end of the Tang Dynasty, the Western Regions had been occupied for almost a hundred years. Zhang Yichao, the military governor of the Tang Dynasty, could pull up an army of Han people, lead the people of all ethnic groups in Shazhou to revolt, and expel the people who had occupied the Hexi area for hundreds of years. Tibet.

In the name of Datang Jieshuai, he conquered eleven states including Gua and Sha.

It was precisely because the Song Dynasty was too weak that the countries in the Western Regions that supported the Central Plains were basically purged by the Karahan Dynasty established by the Turks.

It was at this stage that the Han people in the entire Western Regions were either reduced to cannon fodder under this war, or they were integrated into the Uighurs of the Western Regions.

After the rise of Mongolia, the situation was even more obvious.

The settled Han people almost disappeared.

Even the current Daming only controls the Western Regions in name, but in reality it is you who play yours and I who play mine.

Zhu Yuanzhang also knew that the benefits of the Western Regions were not great, so he had no intention of spending military power.

However, although it does not enjoy absolute control over the Western Regions, its influence is still great.

Zhu Yuanzhang had conquered Hami in the early days and established the Hami Guard.

Hamiwei controls the gates of the Western Regions, and as long as nothing happens to Hami, Ming's influence on the Western Regions will not weaken.

Therefore, the small countries in the Western Regions are vying to claim their vassal status to Ming Dynasty, and nominally become the vassal state of Ming Dynasty.

Among them, the reason why the countries in the Western Regions are so straightforward is also because all aspects are very dependent on Ming Dynasty economically.

Zhu Ying's early situation was similar to this, spending a lot of money every year to dredge Hamiwei's relationship.

Only in this way can the smuggling trade be carried out smoothly.

In the Hami text, there are actually no Han people, and they are controlled and managed by the settled Mongolian nobles.

Precisely because they are settled, they are different from other nomadic Mongolians. They can run away as monks but cannot run away from the temple. They can only submit to the management of Ming Dynasty.

Western Region resources are still very good.

The place is extremely wide, not to mention other places, only the Tianshan Mountains stretch for nearly two thousand miles from east to west, and hundreds of miles from north to south.

The icy peaks and snow ridges on the top of the mountains tower across the sky like white jade screens. When the spring is warm, the mountain snow melts, and the torrents rush down to irrigate oases of all sizes.

Now that she has strength, Zhu Ying naturally wants to accommodate the Western Regions into the direct territory of Ming Dynasty.

In any case, the Western Regions are a hidden danger to Ming after all. Only when Ming maintains a strong enough military strength can it have enough deterrent power against the Western Regions.

Once the military strength of the Central Plains Dynasty weakens, can the Mongolian nobles of Hamiwei be expected to be loyal to Ming Dynasty?

After all, after all, interests determine everything.

The education of the Western Regions as a whole is a very long-term direction in the future.

Now it is necessary to use Beiyuan's mercenaries to form an impact on the Western Regions.

Only by making this place gradually chaotic, can Daming's influence be continuously increased.

Here, there is also a traffic issue involved.

For the time being, Zhu Ying hasn't planned to build the truth about the Western Regions, mainly because the cost is too high, and the gain outweighs the gain in comparison.

18 billion treasure notes is a lot, but the money is obviously spent on internal infrastructure, so that it can have a greater effect.

Speaking of right, there must still be enough troops.

At present, the guards on the capital's side are gradually reducing their self-sufficiency, and there is an additional military logistics department on the side of the Ministry of War.

It is mainly used to guarantee the logistics and military expenditure of the soldiers.

In this regard, Zhu Ying has already begun to carry out reforms.

The more than 50 guards in and around the capital are already the first batch to enter the state of reform.

For all the soldiers here, their monthly military pay will be distributed separately.

And to receive military pay, it is also directly received from the newly established Armaments Department.

In this regard, it is no different from the distribution of official salaries, and one is collected by oneself every month.

With the establishment of the Daming Royal Bank, soldiers' salaries will be directly deposited into the Daming Royal Bank.

After each soldier has signed and confirmed, he can go directly to the Daming Royal Bank to receive one with his household registration.

From this point of view, it has actually greatly reduced the pressure on the treasury.

Because as soldiers, their daily food and clothing expenses are all taken care of by the army, and there is no interest in the military salary after it reaches the bank.

To put it simply, it is just a row of numbers, and it does not mean that there is any risk of a run.

This money, the bank itself, or Zhu Ying itself can be used for long-term and short-term operations.

You must know that the current Daming Royal Bank is already preparing to start an official loan business.

As long as you have collateral in hand, you can borrow enough money at the polar interest rate.

This is also an excellent shock to the entire Daming loan environment.

The interest on loans in ancient times was very high, and it was no different from the routine loans of later generations.

Once borrowed, it is an unimaginable double interest, which is several times or even ten times higher than the principal.

The so-called nine out and thirteen returns is such a truth.

Rolling interest is the most normal phenomenon in Daming today.

This point is protected by the entire bureaucratic and noble interest group. Simply put, it is legal and legal, and the government must support it.

Zhu Ying is well aware of the crimes involved, and there are countless examples of family ruin due to borrowing money.

Among them, casinos are the most popular.

Often after a wave of borrowing, it has reached the point of becoming a seller and giving birth to a wife and daughter.

This is a drawback that has persisted for a long time. It is expected to change at once. From the perspective of the government, the resistance encountered is very large, and it is difficult to deal with this problem in the true sense.

But from the perspective of the bank, it is completely different.

The bank here not only opens the business of lending, but also opens the business of pawn shop at the same time.

The rules established by Zhu Ying clearly stipulate that all lending business can only be [-]% profit.

In other words, if you borrow 110 guan banknotes, you only need to repay [-] guan notes after one month.

This kind of interest price has a great impact on the entire Daming lending industry.

"His Royal Highness is doing this, isn't it ruining our jobs? With such a low interest rate, who else will come to us to do business?"

"That's right, now it's just a news, and before it's officially started, my shop already has no one coming, and it's bound to close down in the future."

"It can't be like this, we must find a way, otherwise everyone can only close the door and drink the northwest wind."

"Why don't we make some noise? Let the court know that we people are not soft persimmons."

Pawn shop, bank.

People who do business in this area have never been good family members. After all, violent debt collection is already a habit of them.

Now that he was hit, he immediately felt unwilling.

Who doesn't have a few subordinates, since you let us have no food, it will make the whole capital uneasy.

Don't underestimate such an interest group. They seem to be insignificant, but they actually control a lot of invisible wealth, and the relationship network behind them is also extremely amazing.

To put it simply, many officials, large and small, have unclear relationships with them.

It's just that they forgot who they were facing.

Naturally, they dare not provoke the Daming Royal Bank, but smashing up other shops and making troubles for the law and order are things they have long been used to doing.

The first three days of starting the loan and mortgage business at the Daming Royal Bank.

The whole capital suddenly became chaotic.

Public security incidents in all aspects erupted immediately. All the public security departments, and the yamen of the public security department, were all overcrowded, and the conflicts were completely different.

It is not a big deal for a good girl to be molested on the street in today's capital.

Others were beaten to death with sticks in the street.

These people all owed loans or gambling debts. The owners behind these pawnshops all united and tried every means to create trouble for the government.

From another angle to force Daming Royal Bank to stop these two business sections.

It's just a pity that they offended two killing gods, big and small.

In the early court, Zhu Yuanzhang's face was ashen, and he threw the stacks of memorials in his hand on the Fengtian Hall.

"It's just the opposite of the sky. This is when we are old and easy to bully, right?"

"A group of dogs eating human blood steamed buns dare to behave like this and disturb the law and order of the capital."

"Pass down our decree, all the security departments, the soldiers and horses of the five cities, and the imperial guards of the capital, all dispatched for us."

"All those caught will be given a third-class crime, and there is no need for any interrogation. Let's beat them hard first."

Zhu Yuanzhang was laughed out of anger.

Did he think he didn't dare to kill people, or did he feel that he was too old to lift a knife?

Although they are all businessmen, Zhu Yuanzhang thinks that if there is a good thing for these people who are engaged in lending and pawnshops, they are all dead.

In essence, it is completely a blood-sucking leech, which will not create any actual benefits for Daming, and will only do some money-making business.

It's just that in terms of law, there is no clear regulation on this area, and the boundary is rather vague.

When Zhu Yuanzhang was young, he remembered very clearly that if the family borrowed one shi of grain to survive, they had to pay back three or four shi of grain.

Otherwise, how could so many people starve to death.

Thinking of this, Zhu Yuanzhang became even more angry.

He directly called Jiang Yu over.

"Check it out for us. These troublemakers are secretly instigated by them. We must find out all these people who are hiding behind."

"We know in our hearts that behind these people, there must be a lot of relationships with officials in the court."

"Like those nobles, they are not less involved in it."

"You should handle this matter yourself. Anyone who is caught will be directly ransacked by us. Don't give anyone face. If someone comes to you to intercede, you should write down all the people and wait for us to deal with it here. After that, we will settle accounts with them in person.”

Zhu Yuanzhang said coldly.

Such behavior has already touched the imperial power to a large extent.

After thinking for a while, Zhu Ying said, "Grandpa, let your grandson do this together."

"On Jinyiwei's side alone, there may be some things that are not easy to deal with."

Zhu Yuanzhang nodded and said, "That's fine, grandson, you're going to do business in loans and pawnshops. I think you've already inquired about it before."

"Now is the time to collect the net. No matter who it is, who still wants to make money from it, there is no need to be polite."

Zhu Ying replied: "Grandpa, don't worry, grandson will definitely catch them all this time."

Jin Yiwei acted swiftly. Under the situation where Jiang Yu was personally in charge and His Royal Highness Taisun came to supervise, every Jin Yiwei understood the seriousness of this matter and dared not neglect in the slightest.

Gradually, the background behind these people gradually surfaced.

It's really shocking.

Even when Zhu Ying saw it, she couldn't help being silent for three minutes.

The civil servants who do the most of these transactions are actually nothing, mainly reflected in the honorable military officers.

Trading at interest requires manpower.

The military officers have a wealth of experience in doing this. After all, when they were soldiers and fought in wars, they did a lot of immoral things like robbing houses.

This is a pretty big profit cake.

Before that, it complied with the laws of Ming Dynasty.

It can also stand on its feet morally.

The so-called repayment of debts is justified.

"Your Highness, look at this."

Jiang Yu was a little embarrassed and handed over part of the dossier to Zhu Ying.

Zhu Ying opened it and saw that all the members of the royal family were involved.

Not only the princes from all walks of life, but also the eunuchs in the palace and concubines in the harem were also involved.

Among them are two particularly familiar names.

The eunuch Liu He, the chief inspector of rites, and the eunuch Guo Zhong, the eunuch who held the pen.

These are the people around Zhu Yuanzhang and Zhu Ying's grandfather and grandson.