Villager of Daming

Chapter 823: Profits from treasure money without losing money

"Do you want that mountain?" After Zhu Yuanzhang finished talking about the cow, he thought of the question just now.

"Your Majesty, it's better to keep that mountain." The village chief refused, not wanting it, Hanhan said, saying that the place might be used in the future.

That's where the Xiaoling Guards are located, guarding the Xiaoling Mausoleum. The Xiaoling Mausoleum has not yet been built. Historically, it began to be built in the 14th year of Hongwu's reign. It is located in the southeast of Xiaqiu Village now.

It was repaired in the 14th year of Hongwu, and Queen Ma died the following year. From this, Zhu Wentian concluded that Queen Ma had a chronic disease.

It is generally related to eating habits, work and rest patterns, and emotions.

Xiaoling was obviously not in a hurry to repair it, and Empress Ma did not have any problems. Normally, there would be no symptoms, especially fatal ones, in the 14th year of Hongwu's reign.

Zhu Yuanzhang stared at the director for a few seconds and shook his head: "If you don't want it, don't do it! If you see a good place in the future, tell us."

The group of people wandered around and went back to rest, as they had to go to court tomorrow.

……

"Quickly, give me fifty guan of treasure banknotes. If you want a paper, don't get a guan. If you don't want fifty guan, I'll pay them wages."

Early in the morning, when the people at the bento restaurant started preparing meals, someone came over to change money. He took silver, some big and some small, irregular in shape. Apparently, he cut large pieces into small pieces and used a pair of knives to cut them. say.

It is very troublesome to buy and sell things with silver. You need to find a place with a box. The box is highly accurate and ordinary people cannot afford it, let alone have a box ready at any time.

They are all packed in long small boxes, which can be taken out to weigh precious metals when needed. Pharmacies also have them for weighing medicines.

Seeing a bunch of silver lumps, the person in charge of the Xiaqiu Village asked the other party to wait while he went to the rouge and gouache shop to pick up some expensive cosmetics.

The silver was weighed little by little, it was 50 taels, and weighed together it was very heavy.

"How come Shopkeeper Huang exchanges so much?" The villagers said and noted while chatting. They knew each other and always went to the box lunch shop to eat box lunches because they were cheap.

Even though he only needs fifty gu of silver in exchange for it, he is usually very frugal, and sometimes he buys a sizzling chicken rack to drink at night.

"I changed it first, because I'm afraid I won't have any treasure money in the future. Let's think about it this way. If we give treasure money to the people who work, it is equivalent to giving them more money. If we find people to work for the same price, they will be willing to come to us."

Shopkeeper Huang revealed his little plan. Bao Chao would enjoy a discount on shopping at the store in Xiaqiu Village, including half the sizzling chicken rack.

I didn't have time to change them last night, so I lost money. Today I have to buy three for two cents to make up for what I lost yesterday, otherwise I won't be able to sleep well.

The villager nodded: "It's a good plan, but there is still a lot. I plan to release 30 guan in one day and finish it in [-] days."

"Can you really exchange treasure banknotes for gold, silver and copper coins?" Shopkeeper Huang wanted to confirm.

"You have to find someone else to exchange the copper coins. We will only exchange them for gold and silver. We will issue as many treasure notes as there are gold and silver in the palace. We are not afraid to exchange them."

"Yes, you can still earn one point, and you will be charged a handling fee when changing."

"The handling fee will be charged later. If you want to exchange treasure banknotes for gold and silver, the gold and silver will have to be moved around. A [-]% handling fee is appropriate."

"Then I guess no one is willing to exchange it. Anyway, let's rest assured about the treasure. Everyone knows that the palace has made a lot of money. Eighty percent of the palace members are involved in the business in Xiaqiu Village. Every business is profitable, and department stores are even more powerful."

Shopkeeper Huang said that he trusted the imperial court's treasure banknotes and was not worried about depreciation. Businessmen were the most sensitive to this information.

Ordinary people see convenience, and they feel safe shopping on the same street in Xiaqiu Village.

Businessmen look at strength and reputation. The Painting Library is a symbol of credibility, and trading is a sign of strength. In order to sell things, many factories are built specifically.

There are also the industrial zones on the east bank of the Qinhuai River, the iron mines in Ma'anshan, the steel tools sold by the imperial court, and the steam engines running on the Yangtze River... With these things, the businessmen have the confidence to exchange any of them. to a lot of money.

"It's five more coins. Can I take it back to you?" The villager weighed the money and found it was too much.

"Change, exchange for 31 Wenbao notes." Shopkeeper Huang had no intention of taking the money back.

"I gave you 32 cents. In fact, the silver will be lost when it is melted back, but it does not need to be borne by the person who exchanged it." The villagers gave one more cent, so the five cents of silver should be 31 cents.

The two parties counted the money, and Shopkeeper Huang asked for a small denomination, so that it would be easier to pay wages. After the calculation was completed, he was not in a hurry to leave and sniffed: "Is there fried cabbage today?"

"Vinegar cabbage, pickled radish shreds, dried cowpea fried in oil residue, cucumber scrambled eggs, oyster and leek soup." The villagers reported the dishes for the lunch box.

"Today's is great! There are cucumbers. We have a problem. The treasure banknotes are printed beautifully. I think we spent a lot of money. The gold and silver collected cannot be put away. In addition, there is a fire consumption. Isn't it right for our Ming Dynasty to issue treasure banknotes? Compensate?"

Shopkeeper Huang has decided to come over for lunch. With the three-money banknote, maybe he can get half an extra salted duck egg, or one?
He just doesn't understand why it's not cost-effective to print banknotes with collateral.

The villager put away his gun: "Gold and silver are inconvenient to carry, let alone copper coins. The court needs copper to make weapons. Only with weapons can there be stability."

For businessmen, it is easier to carry out trade with treasure notes, which saves some costs during transportation.

Then you pay taxes, and the court collects the treasure banknotes and releases the treasure banknotes for gold, silver, and copper. The gold and silver obtained can be used as collateral.

If taxes on gold, silver and copper were collected, how would the court give out the money?It can only be the government purchasing things from the private sector, or starting projects, repairing water conservancy, etc.

Some people have collected gold and silver without spending it, and now they ask for treasure notes. If they keep it, they will lose their value, because when there is more gold, silver, and copper, they depreciate.

If I want to exchange treasure banknotes again, I won't exchange one tael of silver for a single coin, but I will exchange it for nine hundred, eight hundred, or seven hundred coins.

The gold and silver you keep seems worthless, so you can only exchange them. The court provides convenience, speeds up currency circulation, and collects more taxes.

From now on, there will be gold and silver shops in the village, called banks, not money shops. If you have more money, you can take it and put it in the bank without taking any money from you.

The bank lends money at low interest rates and makes profits from it. Of course, the village will not make any money, so it has to pay it all. "

"Can't we lend it ourselves? Why do we have to give it to you? It's better to keep our money and not take our money." Shopkeeper Huang couldn't figure it out again.

“Because the bank issues you a bill, you can take the bill to another place to withdraw money. If the bill is lost and the money is not withdrawn, you can come back to replace the bill.

You may be robbed or lose the money you carry. It is useless if you carry the bills and rob you, but you can replace it if you lose it.

Of course, we can give you interest in the future, which is equivalent to a bank borrowing money for you at a low interest rate, and then lending it to others with interest.

You borrowed it yourself, what if you can't get it back?Human trafficking is not allowed now, and you can't use others to pay debts. "

The villagers patiently introduced that there are banks that help save money, and they may not necessarily lend it to private individuals, but may also lend it to industrial zones.

If you want to borrow it among the private sector, it depends on what you are going to use it for. Buying fertilizers and pesticides is fine, but going to brothels and gambling houses is not.

Shopkeeper Huang thought about it: "I don't really understand. I'll go back and find people to work first, and bring them over for dinner at noon to save money."

As he spoke, he carefully put the treasure money into his arms, patted it again, and then left.

　gone today

　　
　
(End of this chapter)