Villager of Daming

Chapter 646 Currency Promotion Dynasty Chat

Orchids are taken from flower growers without any money, but with things such as pH test paper and comparison chart, various acid-base balanced mineral powders, humus soil, etc.

Coupled with the natural insecticide and bactericidal drugs and usage instructions for treating some flowers, there are new grafting and cutting methods that are not currently available in Ming Dynasty.

People who grow flowers wish they could worship Xiaqiu Village as their ancestors. Some people are obsessed with growing flowers.

The result is the same as that of the flower hunter: he finds that he can do everything in Xiaqiu Village that he knows, and he can also do it in Xiaqiu Village that he doesn't know how to do.

The head of the village knew about this situation, and he knew who was missing. Queen Ma, Concubine Sun, and the Crown Princess would not be missing.

He was surprised: "Has the queen's perfume run out?"

"I'm asking if you have, why do you care if our girl uses it or not?" Zhu Yuanzhang said from the side.

"Your Majesty, I forgive you, yes." The chief said he knew he was wrong.

"Zhu Lichang, someone outside the palace asked, the generals have been away for more than a year after returning from the war." Queen Ma gave the answer.

"Yes, both." The manager understood.

The palace must win over the generals. The generals are fighting outside and their family members cannot follow them, especially the female family members. Queen Ma needs to come forward.

"Go back and take it out and talk about how to promote the treasure banknotes." Zhu Yuanzhang was anxious to issue banknotes. Now that merchants are doing a lot of business, it is inconvenient to carry copper coins, gold and silver.

"Your Majesty, the previous dynasty issued treasure banknotes, and in order to make the people accept it, it forcibly promoted the method of converting taxes into silver, including the monopoly on salt, wine and tea.

Taxes were converted into silver and required to be paid with treasure banknotes, so everyone had to use other things to exchange for treasure banknotes.

In addition, the previous dynasty also used treasure banknotes for officials' salaries and palace purchases. When officials took the treasure banknotes to buy things, others would naturally be willing to accept them in order to obtain the treasure banknotes and pay taxes. "

The head of the village talked about the Yuan Dynasty. He knew that Zhu Yuanzhang didn't like to hear about the Yuan Dynasty, so he still wanted to talk about it.

"Shall we follow suit?" Zhu Yuanzhang recalled it and found that it made sense.

"Your Majesty, we don't need it. How can the previous dynasty compare with this dynasty? Your Majesty is the founder of the country. If you imitate the previous dynasty in everything, wouldn't you be inferior?"

"Yichang still understands us. Yichang, tell me, what should we do?" Zhu Yuanzhang's mood improved instantly.

"Let's open a gold and silver shop in Nanjing to provide people with the service of exchanging gold, silver and copper coins for banknotes.

Then we will say that paying taxes with treasure money is a tax, not land tax and labor, but a tax only for businessmen.

Paying taxes with Ming Dynasty treasure banknotes will give you a 75% discount. You need to pay a tax of [-] coins. With the treasure banknotes, you only need [-] coins. "

The manager suggested ways to use discounts to attract people.

"We lost 20.00%? That's too much." Zhu Yuanzhang felt distressed.

"When exchanging money, it depends on the quality. If you exchange treasure banknotes for [-]% off, a merchant can only earn [-]% or [-]/[-]%.

The tax they pay is one on 150, and five on 150. Our handling fee of 75 is three, and they earn one-[-]th.

For many businessmen, this is already quite a lot. A 75-guan transaction is a lot of extra money. "

The chief explained the two-way discount, and in the end the court paid 75/[-].

Zhu Yuanzhang began to frown, wondering how to settle the account.

"That's right! That's it." Queen Ma has strong arithmetic skills, a well-educated family, and is responsible for Zhu Yuanzhang's logistics.

Zhu Yuanzhang chose to believe his sister, but he still wondered: "Why not just pay 75/[-] instead of going around in a circle?"

“Give benefits to officials first, otherwise officials will resist no matter what new policies are introduced.

For businessmen, the most convenient channel is to go to gold and silver shops to exchange. They cannot wait for officials to get their salaries and go to officials.When buying things at an official's home, use treasure money, and the seller promises to give you more discounts.

Only small businessmen can trade with low-ranking officials, and ministers of various ministries cannot afford to lose that person. "

"What? Think we are Song Shenzong? Whatever we say is what we say! Of course, we don't feel bad about giving benefits to officials."

Zhu Yuanzhang glared again, and then put on a magnanimous look.

"Your Majesty, there is another preparation. The tax benefits will be available for the first two years after the treasure banknotes are released, and then restored, and there will be a one percent fee for the exchange.

Let others get used to charging fees when exchanging gold, silver and copper coins for treasure banknotes, and gradually reduce the fees, which will make them happier.

When they always deal with gold and silver shops, we can implement the next measure, the bank system of financial means.

Our Ming Dynasty also had loans. Many people would not abide by the interest rates given by the court, and privately the interest rates were high.

There should be a money transfer service that belongs to officials, operates independently, and is only subject to official supervision. "

What the mayor said this time is the key point. If everyone is used to dealing with gold and silver shops, they can set up a regular money bank.

In fact, it is the bank that must shoulder the responsibility of stabilizing the financial market of Ming Dynasty.

By the way, the director briefly explained financial matters to Zhu Yuanzhang and Empress Ma, including the bank's preliminary deposit, lending, and exchange operations.

The two of them listened in awe, because the director started from the relevant business during the Tang Dynasty, summarized it until the end of the Yuan Dynasty, and then perfected it.

“Therefore, when the scale reaches a certain level, the bank can influence inflation and deflation. Especially our bank is owned by Ming Dynasty and is responsible for the issuance of government bonds.

The national debt is the national debt. The simplest example is the high debt level. Ban Gu's Book of Han Dynasty, The List of Princes and Kings, records the story of King Nan of Zhou: After You and Ping, the sun Yi Lingyi, to the area between Heluo and Hui'e, was divided into two parts. Zhou, there is a platform for evading responsibility, and there is talk of being stolen.But the world..."

"Are your father and mother here? The hero is crying and wants to play with his grandparents."

Before the mayor could finish telling the story about the national debt, Zhu Biao's voice came.

At the same time, there was a voice with a milky voice: "Grandpa, grandma."

"Hey~~! Hey! I'm here, I'm here!" Zhu Yuanzhang, who was listening intently, sighed first, and then responded with a smile on his face.

Zhu Biao appeared with his son in his arms. The little boy struggled to get off the ground, ran to his grandfather with his calves flying, smiled, turned around and threw himself into Queen Ma's arms.

Zhu Yuanzhang's arms were still open, and his smile remained: "..."

"Are you awake? Look at the moon at night." Queen Ma hugged her eldest grandson and couldn't get enough of it.

"The moon... is bright." The little guy said two words.

"Father, this is..." Zhu Biao handed over his son and saw the board.

"The person who printed the Ming Dynasty's treasured banknotes was given by the village chief." Zhu Yuanzhang withdrew his hand.

"Your Majesty, this is just a sample. The real Tongbao is not the current pattern. It will be very beautiful. It is very difficult to imitate. Ordinary craftsmen cannot draw it, nor can it be done well."

The director shook his head. The four boards laid out were not used to print Ming Dynasty treasure banknotes. The current ones were too simple, especially the patterns.

"The sample given." Zhu Yuanzhang added.

"Are we going to issue banknotes? Great! Copper is used in many industrial equipment."

Zhu Biao expressed his support. There is copper in steam engines, and other equipment that needs corrosion resistance will also use copper.

Wires are filled with copper, and copper is more valuable in industrial applications than in monetary applications.

(End of this chapter)